A guided path to ownership.
At Horsham Estate we have designed a purchase process that prioritises your cash flow and provides fixed-price certainty. Buying off-plan shouldn’t mean putting your life on hold. Our partnership with DepositSmart allows you to secure your property today without tying up your 10% cash deposit in a trust account for the duration of the build.
A Strategic Path to Home Ownership.
Navigating the 2026 property market requires a smart financial strategy. Whether you are stepping onto the property ladder for the first time, upgrading your family home, downsizing to a low-maintenance lifestyle, or looking to secure an investment property, our purchase framework is designed to maximise your capital value, lower entry to purchase barriers, and provide peace of mind from signing the contract to settlement.
01
Keep Your Cash Working
Use a Deposit Bond to maintain your current savings in high-interest accounts or KiwiSaver until settlement.
02
Fixed-Price Certainty
Your contract price is locked in, protecting you from construction cost escalations.
03
Secure your future home
At today’s agreed purchase price while retaining ownership of your existing property during construction.
04
LVR Advantage
New build lending policies may provide access to lower deposit requirements than some existing properties, subject to lender criteria.
Why pay for your new home until you actually move in?
Targeted for those who currently own a home and wish to transition to a brand-new, freestanding property. Most developers ask you to lock up 10% of your equity for 18 months. We think that money should stay in your pocket.
01
Zero-Cash Deposit Entry
We accept a Deposit bond instead of a cash deposit, meaning you don’t have to sell your current house early or drain your savings on renting for a period.
02
Preserve Cash Flexibility
By using a Deposit Bond, eligible purchasers may be able to retain access to funds during the build period rather than committing a cash deposit upfront.
03
Avoid Double-Moving
Continue living in your own home until your new one is ready, avoiding the stress of renting or bridging finance.
A Flexible, Accessible Financial Solution for the 2026 Market.
| Incentive | Description |
|---|---|
| A pathway to a First Home Loan | Access lending criteria tailored for first-time buyers, allowing qualified purchasers to secure a home. |
| KiwiSaver | Seamlessly utilise your KiwiSaver first-home deposit withdrawal for settlement. |
| Zero-Cash Deposit Bond | Keep your cash working for you. Eligible buyers can utilise a DepositSmart deposit bond instead of a cash deposit, preserving liquidity until settlement. |
| Interest Rate Subsidy | The vendor offers a contribution towards a 1% interest rate for 1 year to reduce your net outgoings and ease the transition to your new home. T&Cs apply. |
| Rental Guarantee | The vendor will offer a 4.85% Rental Guarantee for 1 year on five selected houses under $800,000. T&Cs apply. |
A pathway to a First Home Loan
Access lending criteria tailored for first-time buyers, allowing qualified purchasers to secure a home.
KiwiSaver
Seamlessly utilise your KiwiSaver first-home deposit withdrawal for settlement.
Zero-Cash Deposit Bond
Keep your cash working for you. Eligible buyers can utilise a DepositSmart deposit bond instead of a cash deposit, preserving liquidity until settlement.
Interest Rate Subsidy
The vendor offers a contribution towards a 1% interest rate for 1 year to reduce your net outgoings and ease the transition to your new home. T&Cs apply.
Rental Guarantee
The vendor will offer a 4.85% Rental Guarantee for 1 year on five selected houses under $800,000. T&Cs apply.
Five simple steps.
01
Complete Application
Fill out the online form provided by DepositSmart.
02
Provide Documents
Supply standard items — the last rates notices, loan statements for property that you already own, and the Contract of Sale.
03
Submit
Your information is sent to Mortgage Express or DepositSmart so that it can be underwritten.
04
Approval
Underwriter approval is typically granted within 24 hours.
05
Issuance
Once the one-off bond fee is paid, the Bond Certificate is issued to you so that you may forward it to your solicitor.
Deposit Bonds, explained.
What is a Deposit Bond?
It is a financial guarantee issued by HDI Global Specialty, an AA-rated insurer, that serves as a substitute for a cash deposit until settlement.
How much does it cost?
You pay a single one-off premium (e.g., 3.6% of the deposit amount, not the house price, per annum or part thereof) with no ongoing interest.
Is it secure?
Yes. Bonds are underwritten by global insurer HDI Global (rated AA-), making them trusted by banks.
Do I need a personal guarantee?
No, the insurer typically does not request personal guarantees for the bond.
Finance
Our preferred finance partner. Independent mortgage advice and lender access across New Zealand. Useful whether you’re a first home buyer, upgrading, or structuring a Deposit Bond purchase.
Property Management
Pragma’s in-house property management arm, looking after your investment from settlement onwards, with the 1-Year Rental Guarantee built in for Horsham Residences purchasers.
Certified Builder - Halo Guarantee
Pragma Designer Homes is a member of New Zealand Certified Builders (NZCB). Every home at The Horsham Residences can be covered by the Halo 10-Year Residential Guarantee, an insurance-backed policy exclusive to NZCB members that protects your deposit, your investment, and the workmanship for the long term.
Documents
Executive Summary & Legal Documents.
A summary of the key contract terms & conditions. Download the document below.
Sale & Purchase Agreement.
The draft Sale & Purchase Agreement (SPA). Download the document below.
Online signing via DocuSign is coming soon. Final appendices to follow.