Purchase Off the Plans, with No Cash Deposit Required

Buying off the plans but not ready to tie up your cash?

NZMS Deposit Bonds let you secure your new home or investment without paying a 10% cash deposit upfront.

What is a

Deposit Bond?

A Deposit Bond acts as a guarantee to the developer in place of a cash deposit. You pay nothing until settlement.

It is not a loan – no interest is charged, just a one time fee.

Instead of transferring 10% of the purchase price now, you provide a Deposit Bond certificate, and pay the full purchase price (including the deposit) when the property settles.

Why Use a Deposit Bond?

✔️ - No upfront cash needed
Keep your savings or equity working harder until settlement

✔️ - Buy off the plans with flexibility
Especially useful when settlement is 6–36 months away

✔️ - Fast, straightforward approval
Issued by NZMS — no third-party insurer or bank approval required

✔️ - Widely accepted by NZ developers and lawyers
We only issue Deposit Bonds on projects we fund and approve

✔️ - Backed by a trusted NZ finance group
NZMS is one of the country’s leading property financiers, managing over $1.5B in development lending www.nzms.com

Who Can Use a Deposit Bond?

You may be eligible if:

✔️ - You’re buying a residential property off the plans for investment purposes

✔️ - You can demonstrate a pathway to settle, such as finance approval, equity in property or liquid assets, or a future sale

How to Apply

Get in touch using the form below and we will contact you to get your application underway.

Secure Your Property Today - Without the Upfront Deposit

Contact us at enquiries@nzms.com or call 09 368 7050

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