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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 Transportable cabins in NZ?

Yes. Cabin Funders specialises in loans for Transportable 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 Transportable cabins loan?

Deposit depends on the build cost and the cabin type. Many Transportable 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

Finance built for transportable cabins.

Powered by JFK Capital Limited (Registered FSP)

Whether it's a 24m² portable, a fully fitted-out transportable home, or a relocatable cabin from a New Zealand builder, Cabin Funders structures the finance around the cabin itself. Conditional decision in a business day. We pay your approved supplier when the cabin is ready to be shipped to you.

NZ owned and operated
FSPR-registered

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

Cabin Funders is specialist cabin finance for Kiwis that funds completed, ready-to-ship and stock transportable cabins from $20,000 to $250,000. Security is held primarily over the cabin unit, so the structure suits portable cabins that sit on wheels or skids. The interest rate is 1.99% per month (equivalent to 23.88% per annum, fixed). Conditional decision within one business day, and payment terms are flexible, with funds paid to your approved supplier when the cabin is ready to be shipped to you.

$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 transportable cabins actually get financed (and don't) in New Zealand.

Transportable cabins are the largest single segment of the NZ cabin market. They're built off-site in a factory or yard, trucked to your section on a low-loader, and craned or skidded into place. Sizes typically run 18m² up to 60m², with everything from a bare sleepout shell through to fully-fitted two-bedroom units complete with kitchen and bathroom.

Because the cabin isn't a permanent structure, transportables sit outside mainstream mortgage lending. The right product is straightforward asset finance structured around the value of the cabin itself, with the approved supplier paid when the cabin is ready to be shipped to you. That's the finance Cabin Funders provides, making the purchase as simple as buying a vehicle.

Three things that block this kind of cabin purchase

The pain points we hear from transportable cabins buyers, almost word for word, every week.

Mainstream lenders don't fit the cabin

A transportable cabin isn't a permanent dwelling on owned land, so it falls outside standard mortgage policy. Buyers need a finance path designed around the cabin as the asset, not a product retrofitted from a home loan.

Generic personal loans don't fit the cabin

An unsecured personal loan ignores the real value of the cabin and often caps well below the price of a fitted-out transportable. The right product treats the completed cabin as the security.

Buyers want a clean, secure transaction

Borrowers want certainty that their money goes to the right place. Cabin Funders is flexible on payment terms and pays your approved supplier when the cabin is ready to be shipped to you, with security held primarily over the cabin unit.

With a Cabin Funders loan vs paying outright

Cabin Funders provides straightforward asset finance structured around the completed transportable, 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.

Entry-level transportable cabin

$28,000 loan

Repay about $823 per month over 5 years

Representative example, actual rate confirmed on assessment. Completed 18m² unit from a New Zealand builder. Loan covers full purchase plus delivery.

Mid-range two-bedroom transportable

$65,000 loan

Repay about $1,885 per month over 5 years

Representative example, actual rate confirmed on assessment. Fully-fitted, ready-to-ship 36m² unit including kitchen, bathroom and deck.

Top-spec transportable home

$120,000 loan

Repay about $3,464 per month over 5 years

Representative example, actual rate confirmed on assessment. Completed 60m² two-bedroom unit. Loan covers cabin plus site-finishing costs (deck, plumbing, power connection).

What we cover

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

Pre-built portable cabins (under 30m²)
Fully-fitted transportable homes
Relocatable two-bedroom units
Containerised cabins
Self-contained sleepouts on skids
Site-finished transportables (deck, plumbing, power)

Buy from any NZ supplier

We can fund a transportable 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 transportable cabins.

Built for transportables

Transportables are exactly what we lend on. The cabin doesn't need to be council-consented or sitting on land you own.

Security over the cabin unit

Security is held primarily over the cabin itself, which is how a transportable can legitimately secure a loan. Depending on the loan profile this may include a PPSR registration, GPS tracking, a caveat on the destination property, and/or periodic site inspections.

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 money never sits in your account.

Conditional decision in a business day

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

Repay early any time

Sell the cabin, top up with KiwiSaver-funded equity, or settle from a refinance. You can repay in full early any time, with a $75 prepayment administration fee.

You don't need to own the land

Lease arrangements, family land, lifestyle blocks, parents' section. The loan secures the cabin, not the land underneath it.

How a Transportable 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 transportable cabins buyers ask us most often.

Will the cabin be the security on the loan?
Yes. Security is held primarily over the transportable 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. That's how a non-fixed asset can legitimately secure a consumer loan in New Zealand, and you don't need to own the land.
What kinds of transportable cabins do you fund?
We fund completed, ready-to-ship and stock transportable cabins, whether they are built on wheels or skids. As long as it is a portable cabin, we will fund it. Custom or bespoke builds are considered strictly by request. We pay your approved supplier when the cabin is ready to be shipped to you.
What happens if I move the cabin to a new property later?
That's exactly the point of a transportable. The security follows the cabin, not the land, so you can move it without refinancing the loan. Just let us know where it's being relocated to so we can update the security registration. Many borrowers move their cabin at least once over the life of the loan, particularly if they start on family land and later buy their own section.
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 transportable cabins?

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

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