Banks Don't Understand Modular Builds.
Traditional lenders assess traditional builds. Modular and prefab homes don't fit their standard process — different payment schedules, off-site construction, and non-standard valuations.
Off-Site Construction
Modular homes are built in factories, not on-site. Most lenders' progress draw systems can't handle this — they want to inspect a physical site. We work with lenders who understand factory builds.
Non-Standard Valuations
Valuers often undervalue modular homes because there aren't enough comparable sales. We use specialist valuers who understand prefab construction quality and longevity.
Deposit Timing
Modular builders typically require 30–50% upfront before manufacturing begins — very different from a standard 5% deposit. We structure finance to cover these unique payment schedules.
Land + Module Packaging
Buying land and placing a modular home requires coordinating two separate transactions. We structure the finance to cover both seamlessly.