Turn blueprints into reality with flexible construction loan solutions.
Build Your Dream Home with Tailored Construction Finance
At Lending HQ, we specialise in helping Kiwis secure the right finance for their construction projects. Whether it’s your first home or a multi-unit development, our team offers expert guidance from land purchase to the final inspection. With access to a wide network of lenders, we’ll tailor a loan solution that matches your budget, timeline, and goals.
Our Construction Loan Process
Plan & Assess
We begin with a personalised consultation to understand your vision. We’ll assess your building plans, budget, and timeline to create a loan strategy that fits.
Source the Right Lender
With our broad network of construction-focused lenders, we’ll match you with options that suit your project—and negotiate on your behalf to secure competitive terms.
Manage & Support
We support you at every step—from paperwork and approvals to staged payments and inspections—keeping your build on track and stress-free.
Trusted Construction Finance Experts
Why Choose Lending HQ
We simplify the complex world of construction loans with tailored advice, smart structuring, and hands-on support—so you can focus on building.
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Local Construction Expertise
Deep understanding of New Zealand’s lending rules and market dynamics.
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Strong Lender Network
Access over 20 lending partners, including those who specialise in construction loans and flexible funding solutions.
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Staged Funding Made Simple
We coordinate the timing and release of funds to ensure smooth cash flow through each construction phase.
Smart Structuring for Construction Loans
We tailor your construction finance for flexibility and long-term efficiency:
Interest-only options during build phase
Seamless transition to a standard home loan post-build
Separate loans for land and construction
Equity-use strategies to fund your new build
Advice on setting up contingency funds for unexpected costs
Specialist Solutions for Unique Projects
Whether you’re building a family home or a complex development, we offer:
Higher LVR options for well-planned builds
Lenders who understand the construction journey
Flexible draw-down schedules
Funding for both land and build
Finance for custom homes and multi-unit developments
