Two ways in

There are two doors into a first home, and one of them is behind your parents’ house.

01

On your parents’ land

The fastest way in, and the one most of our first-home buyers take.

A minor dwelling behind the family home. No section to buy, services often already at the boundary, and in most South Island districts no subdivision needed. You own the home; the land stays theirs until you are both ready for that conversation.

  • No land purchase to fund
  • Usually a minor dwelling consent, not a subdivision
  • The home can move with you later
02

On your own piece of land

A section and a finished home, priced as one number.

Buy the land, we handle everything that happens on it — consent, engineering, piles, services, transport, craning and connection. One programme, one contact, one fixed figure your lender can actually assess.

  • Fixed price across home and site works
  • Certified to NZS 3604, so it is straightforward to insure
  • Weeks on site, not two winters

Finance

A lending team that already understands these homes.

Most of the friction in financing a transportable home is that the lender has never seen one. We will introduce you to the Kiwibank team we work with, who have — they know what NZS 3604 certification means, how progress payments run on an off-site build, and what documentation makes an application straightforward rather than an argument.

  • You can now mortgage a Paragon home sited on a family member’s property — through the Kiwibank team we work with
  • An introduction to a lender who has financed these homes before
  • A fixed, itemised build price your application can be assessed against
  • A progress-payment schedule set out before anything is signed
  • KiwiSaver first-home withdrawal and First Home Grant are worth asking them about

We are builders, not financial advisers. We make the introduction and provide the build documentation — rates, eligibility, approval and everything else are entirely between you and the lender.

A two-bedroom Paragon Portables home

Your first home

Model Two · on family land

Build fixed
Site works quoted
Transport quoted

Mortgages

A mortgage on a home built off site works differently. Here is how.

Most first-home buyers are told "the bank will not lend on that", usually by someone who has never tried. They will — but a transportable build draws down differently from a house being built on your section, and knowing that up front is most of the battle.

Ask for the introduction
Can I mortgage a home on my parents’ land?
Yes — this is the one that surprises people. Through the Kiwibank team we work with, a Paragon home sited on a family member’s property can be mortgaged, without you owning the land it sits on. The arrangement between you and the property owner is something the lender will want documented, and they will walk you through what that looks like.
Why lenders treat it differently
On a normal build the bank lends against a house that is physically on the land it holds as security. Ours is built in Ohoka and arrives later, so for part of the programme the security and the building are in two different places. Lenders who have done it before have a process for that. Lenders who have not tend to say no rather than learn.
How the payments run
A progress-payment schedule, agreed and set out before anything is signed — deposit, then defined stages, then the balance on delivery and connection. Your lender gets that schedule with the application, so the draw-downs are known from the start rather than negotiated each time.
What they will ask you for
A fixed, itemised build contract, the consent documentation, the NZS 3604 producer statements, and a valuation. We supply the build side of that list. You and the lender handle the rest.
KiwiSaver and the First Home Grant
Both are usually worth asking about, and both have their own criteria that change from time to time. Kāinga Ora publishes the current rules, and your lender will tell you where you sit against them. We deliberately do not guess at it on a website.

We are builders, not financial advisers. We make the introduction and provide the build documentation — rates, eligibility, approval and everything else are entirely between you and the lender.

How it runs

Four steps, and none of them are a showroom.

  1. One

    A conversation

    What you have got, where it could go, and roughly what it costs. Twenty minutes on the phone.

  2. Two

    The introduction

    If finance is the next hurdle, we put you in touch with the Kiwibank team and send them the build documentation they will ask for.

  3. Three

    A fixed price

    Home, transport, foundations and connections in one itemised figure. Nothing moves after it is signed.

  4. Four

    Keys

    Built under cover in Ohoka, delivered finished, levelled and connected. You move in, not in six months.

10-year structural guarantee

On every home we build

12-month build warranty

Workmanship, from handover

NZS 3604:2011

Timber-framed buildings standard

Contract Works insurance

In place for the whole build

Licensed Building Practitioner New Zealand owned and operated

Licensed Building Practitioner · New Zealand owned & operated

NZS 3604:2011 New Zealand Building Code Solid timber construction
  • Choice Architecture Design & consent documentation
  • Architectural Designers New Zealand — Professional Member Our architectural designer
  • Licensed Building Practitioner Restricted building work
  • 100% New Zealand owned and operated Owned and built here

Where most first homes land

Two bedrooms is the one people wish they had started with.

A second bedroom is an office, a spare room, and eventually a nursery. It is also the difference between a home you sell in four years and one you keep.

Tell us what you have got to work with.

A bit of family land, a deposit, a section you are looking at, or nothing yet but a number in KiwiSaver. The first call is the same either way, and it is free.

Ready for your tiny home?

Handcrafted from North Canterbury. Fixed pricing, no hidden costs. Talk to Luke about your build.

Get in touch 027 727 2466