About Ufinance's Finance for Cabins
UFinance Limited is a proudly 100% New Zealand‑owned and operated finance company, dedicated to helping Kiwis achieve affordable, quality housing solutions. Our primary goal is to make long-lasting, portable homes easy to access. We focus on finance for cabins and finance for transportable homes.
Since 2009, we have helped over 2000 homebuyers in both the North and South Islands to obtain financing for the cabin or tiny home that suits their needs and lifestyle.
Transportable Homes: A Growing Solution for Kiwi Housing
More and more New Zealanders are turning to transportable homes (often referred to as cabins or tiny homes) as practical residential solutions rather than just holiday dwellings or secondary units. This growing trend reflects practical Kiwi responses to soaring construction costs, housing shortages, and the appeal of simplified, sustainable living. At UFinance, we support this movement by offering tailored financing options that help Kiwis realize the benefits of transportable homes: fast build times, fixed pricing, and the freedom to generate smart, long-term housing solutions.
Why Choose UFinance for Transportable Home Finance
One word - transparency. We operate under New Zealand's Responsible Lending Laws (as outlined in the CCCFA). That means we prioritise lending that suits your unique financial situation, not pushing you into a loan. We provide financing recommendations, but we are not a Financial Advice Provider (FAP). Our guidance is not regulated financial advice.
Our annual interest rate is 14.9%. This rate remains fixed for the full term of your loan, which typically spans 6 to 10 years.
We believe in clarity. Our fees include:
- Loan Establishment Fee: $460
- Variation Fee: $120 per contract change
- Top-Up Fee: $300 for additional borrowing
- Prepayment Fee: $70 if you pay off the loan early
Customer-Centric Approach
Our clients often describe their experience as "stress‑free" and highly professional. We aim to be flexible. We adapt to life's changes, whether clients need to adjust their payments or encounter new situations. Many have shared heartfelt reflections like:
"Please give our sincere thanks to the team for taking wonderful care of us. A special word of thanks to Mandy, who has always been our key contact person and has always treated us with kindness and respect. Please convey our gratitude to her - she is amazing. Kind regards, Eru and Mary-Lou."
These genuine, heartfelt testimonials drive our commitment to exceptional service and real-world support.
Our Promise to You
- Lending with integrity, in line with CCCFA guidelines
- Providing competitive, clearly communicated rates and fees
- Offering supportive, flexible service tailored to your life
- Ensuring transparency throughout your journey
- Helping you secure a quality portable or tiny home, built to council standards
- Will not be penalised for paying off early with high fees.
- The exterior structure (building shell) is insured for the duration of your loan.
Contact Us
Ready to explore your finance for cabins options?
We’re here to assist. Call us at 0800 483 462, email info@ufinance.co.nz.
Let’s help you move into the cabin or tiny home you deserve.