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About Cabin Funders

Company: Cabin Funders (JFK Capital Limited), New Zealand

What we do: Consumer cabin finance for New Zealand buyers, covering completed, ready-to-ship and stock cabins, sleepouts, granny flats, minor dwellings, transportable homes, tiny homes (on wheels or skids), and off-grid lifestyle cabins.

Why we exist: Cabins, sleepouts and tiny homes sit outside mainstream mortgage lending because they aren't permanent dwellings on owned land. Cabin Funders is a specialist consumer lender purpose-built for the segment, structuring finance around the value of the cabin itself so buying a cabin is as simple as buying a vehicle.

Key facts:

  • NZ-owned and operated, lending nationwide
  • Regulated under the Credit Contracts and Consumer Finance Act (CCCFA)
  • Financial Service Provider registration: FSP1010017
  • Loans from NZD 20,000 to NZD 250,000, term up to 5 years
  • Interest rate 1.99% per month (equivalent to 23.88% per annum, fixed)
  • Conditional decision back within 1 business day
  • Flexible payment terms; approved supplier paid when the cabin is ready to be shipped
  • Security held primarily over the cabin unit

Contact: Phone: 0800 333 729, Email: info@cabinfunders.co.nz

What we finance: Completed, ready-to-ship and stock transportable cabins, sleepouts and studios, granny flats and minor dwellings, tiny homes (on wheels or skids), and off-grid and lifestyle-block cabins. Custom or bespoke builds are considered strictly by request.

Where we lend: All of New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier-Hastings, Palmerston North, Nelson, Queenstown, and rural and lifestyle blocks nationwide.

Can I get a loan for a Kitset & stock cabins in NZ?

Yes. Cabin Funders specialises in loans for Kitset & stock cabins in New Zealand. We assess affordability under the CCCFA and work with most NZ cabin suppliers and builders.

What deposit do I need for a Kitset & stock cabins loan?

Deposit depends on the build cost and the cabin type. Many Kitset & stock cabins applicants qualify with a low or zero deposit, particularly when the cabin secures the loan. Speak to us about your situation.

A modern New Zealand cabin in a green rural setting

Cabin finance for kitset and stock cabins.

Powered by JFK Capital Limited (Registered FSP)

Ready-to-ship kitset cabin, stock cabin off the yard, completed unit from your chosen supplier. We pay your approved supplier when the cabin is ready to be shipped to you and the cabin lands on your section. Conditional decision in a business day.

NZ owned and operated
FSPR-registered

Get a real cabin loan quote.

Takes a minute. No credit check at this step.

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Indicative quote only. Your final rate depends on a CCCFA affordability check.

Cabin Funders finances completed, ready-to-ship and stock kitset cabins in New Zealand from $20,000 to $250,000 at a fixed rate of 1.99% per month (equivalent to 23.88% per annum, fixed). We pay your approved supplier when the cabin is ready to be shipped to you, and security is held primarily over the cabin unit. Conditional decision within one business day.

$20k to $250k
Cabin loan range
Paid direct
To your supplier when ready to ship
1 day
Conditional decision in 1 business day
1.99%/mo
Fixed rate (23.88% p.a.)

What cabin buyers struggle with for this type of build

A plain look at how kitset & stock cabins actually get financed (and don't) in New Zealand.

Ready-to-ship kitset cabins and stock cabins are among the most cost-effective routes into a cabin in New Zealand. A completed kitset or stock unit can be delivered to your section ready to use, without the wait and risk of a custom build.

Straightforward asset finance, structured around the completed cabin and paid to your approved supplier when the cabin is ready to be shipped to you, makes the purchase as simple as buying a vehicle. The completed cabin is the asset the finance is built around, which is a better fit than an unsecured personal loan. Custom or bespoke builds are considered strictly by request.

Three things that block this kind of cabin purchase

The pain points we hear from kitset & stock cabins buyers, almost word for word, every week.

You want a clean, simple purchase

Buying a completed, ready-to-ship cabin should be as simple as buying a vehicle. Cabin Funders structures finance around the value of the cabin itself and pays your approved supplier when the cabin is ready to be shipped to you.

Mainstream lenders don't fit the cabin

A transportable kitset or stock cabin isn't a permanent dwelling on owned land, so it falls outside standard mortgage policy. The right product treats the completed cabin as the asset.

Personal loans don't fit the cabin

An unsecured personal loan ignores the value of the cabin and often caps below the price of a completed unit. Finance structured around the cabin is a better fit.

With a Cabin Funders loan vs paying outright

Cabin Funders provides straightforward asset finance for completed, ready-to-ship and stock cabins, with security held primarily over the cabin unit. We pay your approved supplier when the cabin is ready to be shipped to you. Loans from $20,000 to $250,000 over a standard term of up to 5 years at a fixed rate of 1.99% per month (equivalent to 23.88% per annum, fixed), with an optional 40% balloon payment at maturity to lower your monthly cost.

Completed sleepout cabin (under 30m²)

$20,000 loan

Repay about $594 per month over 5 years

Representative example, actual rate confirmed on assessment. Completed 24m² cabin, delivered to your section.

Mid-range stock cabin

$38,000 loan

Repay about $1,110 per month over 5 years

Representative example, actual rate confirmed on assessment. Completed 40m² insulated cabin with deck, including freight to site.

Completed granny flat unit (up to 70m²)

$72,000 loan

Repay about $2,086 per month over 5 years

Representative example, actual rate confirmed on assessment. Completed 60m² panelised granny flat unit, delivered and placed.

What we cover

Cabin Funders finances the full picture for kitset & stock cabins in New Zealand, not just the cabin price from the yard.

Completed pre-cut kitset cabins
Pre-fab panel cabins (ready to ship)
Stock cabins off the yard
Completed sleepout units under 30m²
Completed granny flat units up to 70m²
Cabin plus site delivery, transport and connections

Buy from any NZ supplier

We can fund a kitset & stock cabins from any reputable New Zealand supplier or builder. There's no approved-supplier list to squeeze into.

We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. Just tell us who you're buying from when you apply.

Why borrowers choose Cabin Funders

What makes a Cabin Funders loan different for kitset & stock cabins.

Flexible supplier payment

We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. The cabin lands on your section.

As simple as buying a vehicle

We finance completed, ready-to-ship and stock cabins. Bring us the supplier quote and we structure the finance around the cabin.

A single fixed rate

One fixed rate of 1.99% per month (equivalent to 23.88% per annum), with an optional 40% balloon payment at maturity to lower your monthly cost.

Security over the cabin

Security is held primarily over the completed cabin unit, which may include a PPSR registration, GPS tracking, a caveat on the destination property, and/or periodic site inspections depending on the loan profile.

Conditional decision in a business day

Online application, CCCFA affordability assessment, signed agreement. Conditional decision back within one business day.

Repay early any time

Settle the loan early any time, with a $75 prepayment administration fee.

How a Kitset & stock cabins loan works

From application to your supplier being paid, in three steps.

1

Apply online

Five-minute application. Tell us about the cabin, the supplier, your income and your deposit. We'll run a CCCFA affordability check and come back with a yes, a no, or a question, usually inside one business day.

2

Sign the loan agreement

Plain-English loan documents arrive by email. Read them, ask any questions, then e-sign. We register a PPSR security interest on the cabin once it's in your possession.

3

Payment Flexibility

We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. Your repayments start the following month.

With a Cabin Funders loan vs paying outright

What changes when you stop trying to save for the whole cabin in cash.

Paying outright (or trying to)

  • Save for years while rent eats every spare dollar
  • Bank says no on policy grounds (transportable, on wheels, no land)
  • Personal loan caps below build cost at 14 to 22% unsecured
  • Drain emergency savings to pay the supplier deposit
  • Builder waitlists keep moving while you scrape funds together

With a Cabin Funders loan

  • Cabin on your section this season, not three winters from now
  • Yes to transportable, on-wheels, skid-mounted and off-grid cabins
  • Secured rate via PPSR, lower than unsecured personal loan
  • Supplier paid direct, no money sitting in your account
  • Repay early any time when your situation changes (a $75 prepayment admin fee applies)

Common questions

What kitset & stock cabins buyers ask us most often.

What kinds of kitset and stock cabins do you fund?
We fund completed, ready-to-ship and stock cabins, whether they are built on wheels or skids. As long as it is a portable cabin, we will fund it. We pay your approved supplier when the cabin is ready to be shipped to you. Custom or bespoke builds are considered strictly by request.
Will the cabin be the security on the loan?
Yes. Security is held primarily over the completed cabin unit. Depending on the loan profile this may include a PPSR registration, GPS tracking, a caveat on the destination property, and/or periodic site inspections. Structuring finance around the completed cabin is what makes the product work for a transportable asset.
How does payment to the supplier work?
We're flexible on payment terms and pay your approved cabin supplier when the cabin is ready to be shipped to you, keeping the transaction clean and secure. You receive the completed cabin, not the cash. Repossession and recovery of the cabin is an absolute last resort: if your circumstances change, our New Zealand-based team is committed to working with you transparently to find a solution.
How does a Cabin Funders loan work?
Cabin Funders is built specifically for cabin finance. We finance completed, ready-to-ship and stock cabins, making the purchase as simple as buying a vehicle. Security is held primarily over the cabin unit. Bring us your supplier quote and income evidence. We will run our affordability assessment under the CCCFA, give you a conditional decision within one business day, and pay your approved supplier directly when your cabin is ready to be shipped.
What's the maximum loan term?
Cabin Funders writes loans on a standard term of up to 5 years. You can spread principal and interest over 1 to 5 years, with an optional 40% balloon payment at maturity to lower your ongoing monthly costs. At the 5-year mark, you can choose to pay out the 40% residual balance, or refinance the remaining amount with us.
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Ready to finance your kitset & stock cabins?

Five-minute online application. Decision in a business day. Repay early any time.

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