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 $130,000 and under (our 3m & 3.6m-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 $130,000 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 $130,000 and under (3m & 3.6m-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.