Special Publications: June 30, 2022
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home & leisure | 82<br />
LUXURIOUS WOOL<br />
AND NYLON CARPET<br />
Bound for the Chatham<br />
Islands – a Cosy Home being<br />
loaded at Timaru Port.<br />
For the home’s plumbing, the structures can be connected<br />
via a hose fitting or connected into the mains water system,<br />
depending on whether it is a permanent structure or<br />
moveable. For moveable homes, all connections must be<br />
easily removed. The sewer can be run into an existing septic<br />
tank or sewer system using a flexible hose.<br />
The electricity supply is provided either with 32amp plug,<br />
or hardwired into the mains on site, again depending on<br />
whether it is a permanent or moveable structure.<br />
Cosy Homes range in price from $100,000 to $150,000,<br />
depending on size; however, buyers don’t have the same<br />
access to mortgage finance as when purchasing a<br />
normal home.<br />
“Banks are not willing to lend funds where there is no<br />
land or building consent,” Alana says.<br />
“But there are other lenders who will provide finance at a<br />
higher interest rate than a bank, which is still a great option<br />
as they are not expensive and can be paid off quickly.<br />
“On the other hand, because Cosy Homes complies<br />
with the Building Code and can get building consent, we<br />
do have a relationship with a bank, who will lend on our<br />
homes at the current interest rates when there is land, even<br />
when the home is being built off site.”<br />
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