Tiny Home, Granny Flat & Modular Home Finance
Finance for tiny homes, granny flats, modular and relocatable dwellings across Australia. As a specialist finance broker, Alpha390 compares 30+ lenders to structure the right loan for your build. When a project needs specialist residential home-loan lending, we’ll point you to independent specialists such as Little Home Loans — a separate brand you can approach directly.
Finance for the way Australians really live
Alternative and compact housing has moved from the fringe to the mainstream. Whether you are adding a granny flat for family or rental income, buying a factory-built modular home, downsizing into a tiny house, or setting up an off-grid or relocatable dwelling, the finance rarely looks like an ordinary home loan — and getting it structured correctly is where an experienced broker earns their keep.
Alpha390 has built genuine recognition in this space. We understand how lenders treat dwellings that may not be fixed to a permanent foundation, how to present a build that is delivered in stages, and how to position self-employed and ABN applicants. One conversation, one obligation-free enquiry, and we compare the market for you rather than sending you door-to-door.
What we can help you finance
Every dwelling type below is part of the same conversation. Where a build needs a specialist residential or construction home loan, that’s the domain of independent specialists such as Little Home Loans — and we’ll tell you honestly when that’s the better route.
Tiny home & tiny house finance
Transportable and fixed tiny homes for owners, downsizers and investors — structured as a personal or secured loan depending on the build and its permanence.
Granny flat finance
Secondary dwellings for family, ageing parents or rental yield. We help owner-occupiers and investors fund the build without always needing to refinance the main home.
Modular & prefab home finance
Factory-built and prefabricated homes delivered to site. We structure finance around staged manufacture and delivery, which standard home loans often handle poorly.
Relocatable & removable home finance
Homes that can be moved or removed — including dwellings in lifestyle and land-lease communities where traditional mortgages may not apply.
Homes on wheels finance
Tiny houses on trailers and other wheeled dwellings, where the finance treatment sits closer to a vehicle or personal loan than a mortgage.
Off-grid & container home finance
Off-grid builds, container conversions and kit homes. These are niche, so lender appetite varies — we know which lenders will genuinely consider them.
Why finance your build through Alpha390
A real lender panel
We compare 30+ Australian banks and non-bank lenders, so you see options built around your dwelling type instead of a single bank’s policy.
Structuring know-how
Compact and alternative housing is assessed differently. We know how to present the build, the security and your income so it stacks up.
Self-employed & ABN friendly
Low-doc and ABN options for tradies, business owners and investors — a common profile for granny-flat and tiny-home buyers.
One enquiry, not ten
You apply once. We do the shopping around and the back-and-forth with lenders, and come back with a clear recommendation.
Straight advice on the right lender
If your build actually needs specialist residential or construction lending, we’ll say so — and point you to independent specialists such as Little Home Loans (a separate brand) rather than force an ill-fitting product.
Australia-wide
We help clients across Australia and operate under Australian Credit Licence 506065 (Five Tees Pty Ltd).
How the finance process works
Enquire
Tell us about your dwelling, your timeline and your situation — online or by phone.
We compare 30+ lenders
We match your build to lenders with genuine appetite and structure the right option.
Approval
We package and present your application, and guide it through to approval.
Settle & build
Funds are arranged so your build or purchase can proceed with confidence.
How these homes are typically financed
Personal & unsecured loans
Common for transportable tiny homes and homes on wheels that aren’t fixed to land. Fast to arrange, with the dwelling not always required as security.
Secured & asset-backed loans
Where the dwelling or land can serve as security, secured lending can lower the rate. Suits many modular, granny-flat and relocatable builds.
Business & chattel options
For investors and businesses — including ABN and low-doc structures — where the dwelling is an income-producing or business asset.
Specialist residential home loans
When a build genuinely needs a home-loan or construction-loan structure, that sits outside asset finance. Little Home Loans is a separate, independent specialist in exactly this area that you can approach directly.
Not sure which path fits? That’s the whole point of talking to a broker first. Find my best finance option →
When Alpha390 can help — and when to see a residential specialist
Finance for tiny homes, granny flats and modular builds spans two different worlds: general asset and personal lending, and specialist residential home-loan lending. Alpha390 works in the first — and part of our value is telling you clearly when your project belongs in the second.
What Alpha390 handles directly
- Personal, secured and asset-backed finance for tiny homes, granny flats and modular builds
- Self-employed, ABN and low-doc structures
- Comparing 30+ lenders and packaging your application
When you need a residential specialist
- Builds that need a genuine home-loan or construction-loan structure
- Specialist residential lending policy and serviceability
- Complex dwellings where an independent residential specialist (e.g. Little Home Loans) is the right call
If your project needs a genuine residential or construction home loan, that’s a job for a dedicated specialist rather than an asset-finance broker. Little Home Loans is a separate, independent brand focused on exactly that. Alpha390 will always give you a straight answer about which path fits — and if it’s ours, we’ll compare 30+ lenders to get you there.
Tiny home & granny flat finance FAQs
Can you actually finance a tiny home in Australia?
How is a granny flat usually financed?
What about modular, prefab and kit homes?
Do you finance off-grid or container homes?
Can I get finance if I’m self-employed or use an ABN?
How is Alpha390 different from Little Home Loans?
Are the rates and repayments quoted guaranteed?
See why so many happy Australians trust Alpha390 Finance
We compare 30+ trusted Australian lenders
Related guides & finance pages
Ready to finance your tiny home, granny flat or modular build?
One obligation-free enquiry. We compare 30+ lenders and bring in our residential partner where it helps — so you get the right finance, not just any finance.
This page is general information only and does not constitute credit or financial advice. Alpha390 Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Specialist residential and construction home loans are provided by separate, independent businesses such as Little Home Loans; Alpha390 does not provide those loans. Lending is subject to approval, lending criteria, terms, conditions and fees. Any rates or repayments discussed are examples only and subject to change.