FAQs tagged with 'Hiring / Renting'

We sure do! We offer a few different finance solutions to help you get into a new, affordable home as soon as possible.

Unless you already own land, getting finance from a bank for a transportable home is almost impossible — that’s where FinanceMe comes in.

Our flexible finance options let you secure a home with:

• Finance with deposit – standard option with flexible terms and no limits on home size.
• No-deposit finance – available for homes under $100,000 (our 3m-wide range).
• Rent-to-Buy – for those needing time to build credit before converting to a finance contract.

All options come with manageable repayments and a clear path to ownership.

If you’d like to learn more about how HouseMe finance works and whether it’s right for you, get in touch with our team — we’ll happily walk you through it.

You can also get started on our website [here].

Basic criteria:

• Ideally, you have a full-time income (not always required).
• You live in New Zealand.
• Up to three people can apply jointly.
• No land or equity ownership required — the landowner simply signs a one-page permission form allowing the home on their property.

Key details:

• Interest rates: 14.95% – 19.90%, based on credit, deposit, and risk profile.
• This is not a mortgage, and is similar to a personal loan.
• Term length: up to 10 years.
• Repayments from $200 per week.
• No limit to loan amount.
• Minimum deposit required for higher-value homes.
• KiwiSaver funds cannot be used.
• Can only be used for the home purchase, not site works or council related costs

Yes — we sure do! Our Rent-to-Buy option is designed to help more Kiwis get into a home of their own, even if they’re not quite ready for traditional finance.

It’s perfect if you’re building your credit history or don’t yet have a deposit saved. You’ll make affordable weekly payments while living in your new home, and once you’re ready, you can easily transition into full ownership through one of our finance options.

Rent-to-Buy gives you a clear path to owning your home — no banks, no endless waiting, just progress.

If you’d like to learn more or check if you qualify, get in touch with our team — we’ll walk you through how it all works and help you get started.

How Rent-to-Buy Works

• Available on homes $100,000 and under — this includes our 3m-wide range.
• You select your new home and enter a Rent-to-Buy agreement.
• You’ll make fixed weekly payments while living in your home, just like rent — but those payments go toward ownership.
• Over time, you build a solid payment record and credit history.
• Once you meet the finance criteria, your agreement is converted into a standard finance contract.
• From there, it’s officially yours — and you’ve already been living in it the whole time.

Rent-to-Buy is a practical way to get started when banks say no, giving you stability, structure, and a genuine path to ownership.

What’s the Difference Between Finance, No-Deposit Finance, and Rent-to-Buy?

• Finance (with deposit):
  The standard option. You pay a deposit, sign a finance contract, and own the home immediately. Best suited for buyers with stable income and good credit.
• No-Deposit Finance:
  Designed for homes under $100,000, this option lets you secure a home without an upfront deposit. You’ll need solid credit and affordability to qualify.
• Rent-to-Buy:
  Ideal if you’re working on improving your credit score or can’t yet meet finance approval. You rent the home while building a payment track record, then convert to full finance once you qualify.

Yes, we have a 9-month minimum hiring period for our transportable homes. Once your 9 months are up, you can call us to arrange collection of the tiny home or continue hiring for as long as you require.

A HouseMe Hire Application Form can be completed HERE.

Please ring or email us when you no longer require the transportable home. Four weeks’ notice is required and from that date we will schedule the collection of your tiny home!

Yes, our tiny homes come with thermal curtains on the sliding door and roller blinds covering the other windows.

There is no stove or oven in most units, however, provision is in place for a benchtop hotplate and a microwave or convection microwave oven.

Attached to the toilet is a macerator pump system. This pumps takes all waste from the unit and disperses it through a small pipe that connects to your existing services.

We now deliver rental cabins to most locations in New Zealand.

A HouseMe Hire Application Form can be completed HERE

The Transport costs vary depending on the unit size and your delivery location. We will quote based on your location and requirements. We require payment for Transport (the delivery fee plus pre-payment of the collection fee) before delivery of your cabin.

A HouseMe Hire Application Form can be completed HERE

No, there is no bond required for the unit itself. All we need is your first week’s hire fee in advance and your transport fee to be paid prior to the delivery of your tiny house. However, there is a $300.00 cleaning bond. This is refunded to you once the unit is returned in good, clean condition.

A HouseMe Hire Application Form can be completed HERE

At HouseMe, we know everyone’s financial situation is different — that’s why we offer a few flexible ways to help you get into your new home sooner. Each option is designed to suit where you’re at right now and give you a clear path to ownership.

1. Finance (with Deposit)

This is the most common option for customers ready to buy straight away.
You’ll pay a deposit, sign a finance contract, and take full ownership of your new home immediately.

Key points:

• Terms up to 10 years
• Interest rates between 14.95% – 19.90% depending on credit and risk profile
• Deposit required (usually $10,000–$30,000 depending on home size)
• No restrictions on home size or value
• No property ownership required
• Up to 3 people can form an application

Perfect if you have stable income, reasonable credit, and want to get into your home quickly with a straightforward finance structure.

2. No-Deposit Finance

For homes $100,000 and under (our 3m-wide range), we now offer No-Deposit Finance — helping customers who can afford the repayments but don’t yet have savings for a deposit.

Key points:

• No deposit needed
• Homes must be $100,000 or less
• Same flexible terms (up to 10 years)
• Approval based on income, credit history, and affordability

This is ideal if you’re earning steady income and have a solid credit profile but haven’t managed to save a deposit yet.

3. Rent-to-Own

Our Rent-to-Own option is designed for customers who want to start living in their new home now while working toward finance approval.

You’ll make fixed weekly payments while living in your HouseMe home. Those payments help build your credit record and demonstrate affordability — giving you a proven track record when you’re ready to switch to a finance contract.

Key points:

• Available for homes $100,000 and under (3m-wide range)
• Affordable weekly payments
• Live in your home while you build credit
• Convert to a standard finance contract once eligible

Perfect if you’re on a benefit, rebuilding credit, or just not quite ready for traditional finance.

Each pathway has been built to make home ownership achievable — no banks, no red tape, just practical solutions for everyday Kiwis.

If you’re unsure which option suits you best, get in touch with our team. We’ll walk you through your options and help you find the right fit.