Get into your modular home sooner.
With our 2% deposit home loan, you can get into a modular home of your own sooner.
Is a modular home for you?
Modular home builders
How to get started
A new pathway
Modular home builds typically require large upfront costs, making this type of housing out of reach and unaffordable for many. Our new Modular Home Loan changes that, with a low 2% deposit to help you get into your own modular home sooner.
If you're eligible, you can also use the First Home Owner Grant towards your deposit or other costs.
The Modular Home Loan is a loan type within our Low Deposit Home Loan product.
Is a modular home right for you?
Let's start with a clarification. A modular home is built in sections, or modules, in a factory, then transported and assembled on your land. Unlike a traditional build, it's not constructed directly on your block of land.
Some pros of a modular build.
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Same standards and regulations as traditional home construction.
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Generally built faster than a home built on a block of land.
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Attractive, innovative, compact home designs with flexibility to suit your needs.
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Weather conditions will have less impact on your build.
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Designed for sustainability in mind with innovative, energy-efficient materials.
Things to consider.
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Some councils or estates may have rules or requirements about modular constructions. Your builder can assist with this.
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There may be some limitations to modular build options based on block size or access.
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Transport costs may add to price. Your builder will run through all costs in the process.
Modular home builders
These are the modular builders currently on our established builders' list. We may update this list from time to time. You'll need to consider what is suitable for you.
Fox Modular
Fox Modular & PIQUE specialise in crafting durable, energy-efficient homes tailored to the diverse Western Australian landscape. Fox Modular's offerings range from spacious family homes, while PIQUE specialises in architecturally designed modular homes that blend aesthetics with industrial efficiency.
Modular WA
Intelligently designed modular homes - built with precision to exacting standards. Made for Western Australian lives and landscapes, to bring your dream home to life with endlessly flexible designs.
Summit Modular
Summit Modular is where quality meets efficiency-without compromise. Summit Modular specialises in delivering modular homes to home buyers offering scalable solutions that redefine modern living.
Evoke Living
Evoke Living modular homes are built in our manufacturing facility and installed on site, providing a quality and efficient building solutions for regional and remote Western Australian's.
How to get started
Applying for a Modular Home Loan is the same process as any Keystart home loan. We're here to help you along the way.
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Frequently asked questions
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Q
Where can I put a modular home?
A
With a modular home, you’ll need to build on land you’re planning to buy or you already own. It may be that you are buying a block of land and the modular home together. We can help you with that.
We also have options if you already own land or have a finance on your land. Get in touch and we can run through this.
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Q
Are there particular areas where I can have a modular home?
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We don’t have any restrictions on where you can build a modular home however, there may be some limitations to modular build options based on the block size or access to the block. You’d need to discuss these requirements with your builder.
You’ll also need to consider any local council requirements are in your desired area.
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Q
Can I use this loan for a tiny home or a granny flat?
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There are a lot of amazing, innovative compact home types out there including tiny homes on wheels, granny flats and container homes. The home loan is only available for a modular home, which we define as a prefabricated home, created in a factory off site and then transported and fixed to your land with all your utilities connected. The modular home needs to be through our established builders’ list on this page and needs to meet our minimum building requirements.
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Q
How long will it take to build a modular home compared with a house build on a block of land?
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Typically, the entire process for a modular construction, from start to finish, takes less time than a traditional home build. For specific construction timelines, we recommend discussing this directly with your chosen builder.
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How much can I spend?
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We can let you know how much you may be able to borrow. That amount includes the land and your modular home build. We have maximum property price and income limits that apply to our Low Deposit Home Loan that are also applicable to the Modular Home Loan. You can view these limits at Low Deposit Home Loan.
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What do I have to pay while my home is being built?
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You’ll pay construction payments of $400 per month throughout the complete period of your build. Once your home is complete, we'll let you know what your minimum monthly loan repayment amount will be for your loan based on your loan term. This will take into account the interest charges over the build period and any additional payments you may have made to Keystart during that time. This amount will differ from your minimum construction period payment.
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Q
Can I use another builder other than the ones listed?
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There may be other modular builders available beyond those currently listed on our page. Our list is updated periodically, so you'll need to consider what builder is suitable for your needs.