Residents of a house that went up in flames were 15 months into renovations and are expecting their second child.
The fire was accidental and involved a gas heater, senior specialist fire investigator Peter Hallett says.
"It's a total loss of property, contents and car," Mr Hallett says.
Te Awamutu couple Steve and Jenna Holden live at the Ohaupo Rd house with their two-year-old daughter.
On Sunday afternoon Jenna and her daughter were outside the house chatting to their neighbour Doris Pitcon while Mr Holden was at work.