Tiny Home and Modular Home Finance Australia
Research Australian lenders, brokers, and finance pathways that may suit a tiny home or modular build.
16 finance providers listed
Showing 16 finance providers
Liberty Financial
Liberty is an Australian non-bank lender offering home loans and secured and unsecured personal loans. Its public personal-loan material includes home improvements as a possible purpose, but the reviewed pages do not confirm acceptance of a tiny home, modular dwelling or offsite construction contract. Ask Liberty to assess the exact product, land, security and contract before relying on this listing.
Pepper Money
Pepper Money is an ASX-listed non-bank lender specialising in borrowers who fall outside traditional bank criteria. They offer personal loans, asset finance, and home loans with a focus on real-life lending, meaning they consider each application on its individual merits rather than rigid scoring models. Their asset finance division can be relevant for transportable dwelling purchases.
La Trobe Financial
La Trobe Financial has operated in Australian lending for over 70 years, focusing on credit solutions for borrowers and scenarios that major banks may not accommodate. They offer residential mortgages, including construction loans, with a willingness to consider non-standard property types. Their broker-only model means you will need to apply through a mortgage broker.
Macquarie Bank
Macquarie offers home and construction loans for eligible residential building projects completed by a licensed contracted builder. Its current broker credit guidelines list kit and demountable homes as unacceptable construction-loan purposes. Do not assume a modular or prefab contract qualifies: provide the lender with the plans, building contract, valuation basis and payment schedule before signing.
ING Australia
ING Australia offers home loans, home-loan top-ups and personal loans. Its current renovation guidance says it does not offer construction loans, so do not treat this listing as a pathway for a staged modular or prefab build. Ask ING whether an available product suits the exact purpose, amount and security before applying.
BOQ (Bank of Queensland)
Bank of Queensland offers home loan and construction loan products through their branch network and broker channel. They have historically been more receptive to regional and non-standard property types than some of the Big Four banks, which can be relevant for modular builds on rural or semi-rural properties. Their owner-builder loan product may suit some tiny home projects.
Firstmac
Firstmac is a major Australian non-bank lender offering home loans direct to consumers and through brokers. They are known for competitive rates and have funded over $80 billion in home loans. Their construction loan product may suit modular and prefab builds where the property will be on a permanent foundation and meet standard valuation criteria.
Plenti
Plenti (formerly RateSetter) is an ASX-listed personal loan provider offering unsecured personal loans up to $75,000 with competitive fixed rates. Their Green Loan product offers discounted rates for energy-efficient purchases, which may apply to eco-focused tiny homes with solar and off-grid systems. A personal loan can be a practical option for smaller tiny home builds where mortgage finance is not available.
SocietyOne
SocietyOne is an Australian personal lending platform offering unsecured personal loans. For smaller tiny home projects or shell purchases where traditional mortgage finance is not an option, a personal loan can bridge the gap. SocietyOne assesses applications based on creditworthiness and income, with loan amounts typically up to $70,000.
Brighte
Brighte's current Green Loan is for eligible energy-efficiency products such as solar panels, batteries, solar hot water, heating and cooling, off-grid systems and specified glazing. It is not presented as finance for purchasing or constructing a tiny or modular home. Treat it only as a possible finance pathway for eligible installed energy upgrades and confirm the current product, installer and credit criteria directly.
Australian Military Bank
Australian Military Bank is a member-owned bank (credit union) that has been known to finance non-standard dwelling types including transportable homes and granny flats. Credit unions can sometimes be more flexible than major banks for unusual property types because lending decisions are made locally rather than through rigid automated systems.
Greater Bank
Greater Bank (now part of Heritage and People's Choice) is a customer-owned bank offering home loans, construction loans, and personal loans. Regional and customer-owned banks can be more willing to consider non-standard builds on a case-by-case basis, especially when the property is on permanent foundations in their serviced regions.
Financing a tiny home or modular build in Australia
Getting finance for a tiny home or modular build is not as straightforward as a standard home loan. Most major banks are set up to lend against conventional properties on permanent foundations, and a tiny house on wheels or a transportable cabin does not always fit their criteria. That does not mean finance is unavailable, but it does mean you need to look in the right places and understand which product suits your situation.
Possible pathways include personal lending, a construction or home loan for an eligible fixed dwelling, asset or chattel finance where a lender accepts the movable asset, and borrowing against existing home equity. Product criteria, security, rates and consumer protections differ. A product name does not confirm that a lender will accept a THOW, module, contract or site.
The directory is a research list, not a recommendation, lender panel, pre-approval service or confirmation that a provider currently finances tiny or modular homes. Before sharing documents or paying a fee, verify the business and representative through the ASIC professional registers or the relevant professional register, and confirm the Australian credit licence or authorised credit representative details that apply to the service.
For a practical breakdown of how product type and security affect the conversation, read our guide to tiny home finance in Australia. If the home will be built in a factory and fixed to land, use the modular home construction-loan checklist to test the builder's payment stages before signing. Use the whole-project budget planner to separate the home, site, approval, delivery and service costs before deciding how much you need to fund. If you are ready to start comparing builders, browse our builder directory.
How to use this directory
- Ask whether the provider has assessed your exact product type, land and contract structure.
- Confirm fees, commission, comparison scope and lender panel in writing.
- Give the provider the builder contract, specification, approval status and complete project budget.
- Recheck the provider's licence or representative status before proceeding.
General information only. Listing details and lending criteria can change; verify them directly before applying. See ASIC Moneysmart personal-loan guidance for an independent starting point.
Zinc Studio
Premium prefab cabins and tiny homes designed and built in Australia.
Featured commercial pathway; confirm pricing, inclusions, approvals, licensing, and availability directly.