New Build
Finance Your New Build
Building or buying new comes with its own set of financing challenges. Nexa specialises in construction loans, turnkey finance, and off-the-plan purchases — so your build stays on track financially from day one.
New build finance options we cover
Construction Loans
Building from the ground up requires a construction loan that releases funds in stages as work progresses. We arrange these with lenders who understand the build process.
Turnkey Finance
Buying a newly built property from a developer? A turnkey loan settles in one payment at completion. We sort the pre-approval and documentation so you're ready on the day.
Off-the-Plan Purchases
Buying before the build is finished introduces timing risk. We help you secure conditional approval early and manage the loan through to settlement when the property is complete.
First Home Loan Eligibility
New builds often qualify for Kāinga Ora First Home Loan with lower deposit requirements. We'll check your eligibility and structure your finance accordingly.
How the new build process works
Understand Your Project
We review your build contract, land purchase, timeline, and budget to understand exactly what financing you need.
Get Pre-Approval
We secure a conditional approval from a suitable lender before you start building — giving you and your builder confidence to proceed.
Manage Progress Draws
For construction loans, we help you manage each progress draw as the build reaches key milestones, ensuring funds are released smoothly.
Final Settlement
Once the build is complete and code compliance is issued, your loan converts to a standard mortgage. We're with you through to settlement and beyond.