Stop renting. Start owning.

Saving a standard 20% house deposit takes the average Kiwi over a decade. Meanwhile, rent eats half your paycheck. It’s a rigged game.

We believe you shouldn't need half a million dollars just to own the roof over your head. By financing an Expander, you can bypass the traditional banks, put down a fraction of the deposit, and own your home outright in under 5 to 10 years.

Your weekly payments build your own equity, not your landlord's wealth. See how the math stacks up below.

Stop paying rent. Start owning.

Compare the true financial cost of paying a landlord versus building your own equity in an Expander.

*This acts as your loan term. Unit will be 100% paid off in this time.
Recommended rate: 9.9%

Over the next 5 years...

If you keep renting

Money to Landlord: $0
Assets Owned: $0 (Nothing)
100% Money Lost

If you buy an Expander

Total Cash Out (Deposit + Repayments): $0
Assets Owned: $0
Fully Paid Off Asset

By choosing to own, your net wealth increases by:

+$0

(Compared to renting for the same 5 years)

Apply for Finance *This calculator provides an estimate only. Finance is subject to final approval, terms, and a personalized quote.

REAL CUSTOMERS. REAL NUMBERS.

Match your rent. Own your home.

Select the bracket that matches your current weekly rent to see what you could be living in instead.

Jacob
$200-$300/week

Jacob

Canterbury

The Studio & DesignerPod™

Sarah
$350-$550

Sarah

Hawke's Bay

20ft & 30ft Expanders

Xavier & Jenny
$550+/week

Xavier & Jenny

Auckland

40ft Luxe Range

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The fastest route to the property ladder.

Skip the 12-month traditional build and massive deposits. Here is how fast you can get into your own Expander.

1

The 5-Minute Pre-Approval

Fill out a quick form and get a realistic borrowing estimate from our lending partners. No impact on your credit score.

2

The Free Site Check

Our experts will assess your property to figure out exactly how to deliver and install your chosen Expander safely.

3

Lock It In

Choose your deposit, lock in your fixed weekly repayments, and sign the dotted line. No hidden fees or surprise costs.

4

Move In (Weeks, not years)

Because your home is already built, delivery takes a matter of weeks. Stop renting and start owning almost immediately.

Frequently Asked Questions

Not necessarily. While a deposit reduces your weekly repayments, our lending partners offer highly flexible options depending on your current financial situation, assets, and credit history.

Because Expanders are movable, they are typically financed through specialist asset/chattel loans or personal loans rather than standard 30-year land mortgages. We work with lenders who specifically understand the modular home market.

Yes. In many cases, we can roll the transport, foundation blocks, and installation into one single finance package so you don't have massive out-of-pocket expenses upfront.

We use third-party finance specialists who look at the whole picture, not just a credit score. While major defaults can make it harder, it is always worth having a quick, no-obligation chat to see what’s possible.

Unlike a brick house, an Expander is a movable asset. If you need to relocate, you take your home with you. If you need to upgrade, you can sell the unit completely separate from the land.

4.7★
on Google · 104+ reviews
350+
homes delivered
9
Pacific Islands
3 Year
warranty
Expanders® · Christchurch warehouse · info@expanders.co.nz · +64 27 210 6839
*Finance is subject to lending criteria and approval. All figures provided on this page are estimates only and do not constitute an offer of finance.