Finance

Financing Your Ecopod Home

Simple, Flexible Options to Help You Get Started

Are you ready to take the next step toward owning your Ecopod Home? This page covers everything you need to know about financing your Off-Site Manufactured home — from mortgage options and construction funding to our Bank-Ready-Build solution. You’ll also find tools to help you understand what you can afford and explore the potential for rental income.

If you wish, we’ll connect you with a mobile home lending Manager who can guide you through the process and help secure competitive interest rates from leading banks.

Complete our finance enquiry form to start the conversation and bring your new home vision to life.

Can I Get a Mortgage for an Ecopod?

Yes! Most banks now offer standard home loans for off-site-built homes like Ecopods. To qualify, you’ll need:

  • Land and/or buildings with enough value to secure the loan
  • Income that can support regular mortgage payments
Need help?: Ecopod can connect you with a mobile home lending manager who understands how to finance transportable homes.

How Do Payments Work During Construction?

When your Ecopod is being built, you’ll need to:

  • Pay a deposit to start the build.
  • Make progress payments as construction continues
Important: Banks usually won’t release mortgage funds until the home is installed on your land. That means you’ll need a source of cash for about 80% of the construction cost.

What If I Don’t Have the Cash Upfront?

Every situation is unique, but here's a solution to help you understand the numbers and how Bank-Ready-Build payment plan can help you.

Ecopod’s Bank-Ready-Build Option

We’ve created a solution to help:
  1. You get a pre-approved mortgage from your bank.  
  2. You pay a deposit.
  3. Ecopod builds, delivers, and installs your home.
  4. Ecopod Homes gets paid once your mortgage funds are released.  
This service includes a fee to cover setup, admin, and risk.  
Interested?: Fill out the finance enquiry form below and we’ll Contact you to discuss how this option can apply to you!

What Can I Afford?

Every situation is unique, but here's an example to help you understand the numbers:

Example: 3-Bedroom Granny Flat

Total Investment Breakdown

  • Base building cost: $250,000
  • Site work & delivery: $50,000
  • Total project cost: $300,000

Finance Requirements

  • Deposit needed (30%): $90,000
  • Loan amount: $210,000
  • Weekly repayments*: ~$255/week
Important: Your actual costs will vary based on your chosen building, site conditions, loan type, and current interest rates.
*Based on a 2-year fixed mortgage at 4.6% interest

Could This Pay for Itself?

If you're considering renting out your 3-bedroom Ecopod Home, here's what the numbers might look like:

Rental Income Potential

Weekly Income

  • Expected rent (Auckland average): $700/week
  • Minus mortgage payment: -$255/week
  • Gross weekly income: $445/week

Operating Costs (~$220/week)

  • Property management
  • Maintenance & repairs
  • Council rates
  • Insurance
  • Tax obligations

Net Weekly Income: ~$225/week

Note: If you need to purchase land separately, your returns will be lower depending on land costs and location.

Ready to Explore Your Options?

Fill out the finance enquiry form below and we’ll help you take the next step toward owning your Ecopod.

News & Updates


December 2, 2024

How Much Does a Transportable Home Really Cost? Breaking Down the True Costs

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November 26, 2024

Transportable vs. Traditional Homes: Which One is Right for You?

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