Finance

Financing Your Ecopod Home

Simple, Flexible Options to Help You Get Started

Designed specifically for transportable and prefabricated homes and buildings, you can get competitive interest loans from banks. We connect you with a personal Mobile Mortgage manager who can help get you on the path to owning an Ecopod Home.

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 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 to cover about 80% of the building cost upfront.

What If I Don’t Have the Cash Upfront?

Every situation is unique, but here's a real-world example to help you understand the numbers:

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 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 connect you with a lending manager or send you more details.

What Can I Afford?

Every situation is unique, but here's a real-world 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.