Granny Flat Loans
Granny flat loans are our speciality. In Perth, more families are investing in granny flats for additional rental income, accommodating extended family, or enhancing property value. We know the challenges of securing finance for these projects and we can confidently guide you through the process. Our approach is simple: listen to your goals, explain your options, and handle the complexities so you can focus on your project.
Financing a granny flat isn’t always straightforward, but that’s exactly where we come in. We work with lenders who understand these projects and know how to structure loans that maximise your borrowing power while keeping things simple. The right strategy upfront can make a significant difference to your returns and long-term flexibility.
Whether your goal is to generate rental income or create space for family, we will help you secure a loan that’s tailored to your situation, not a one-size-fits-all solution. From construction funding to refinancing, we will guide you through the options and recommend what works best for you.
Most importantly, we take the stress out of the process. We handle the negotiations, paperwork, and follow-ups so you don’t have to, keeping everything moving efficiently toward approval. You get clear communication, expert guidance, and a result that puts you in a stronger financial position.
Let’s have a quick chat about your plans and explore the best way to make your granny flat project happen. We’ll talk through your options and put a plan in place that works for you.
Our Strategy
Our strategy is all about getting results, that are fast, clear, and tailored to you. From your first consultation to loan approval and funding, we handle the details so you don’t have to. You’ll have expert guidance at every step, with options explained in plain language and a plan that works for your goals. The result? A smooth, stress-free process that puts you in the best position to move forward with confidence.
01
Free Consultation
We start with a no-obligation conversation about your property plans, financial situation, and loan needs. This allows us to understand your goals fully.
02
Loan Assessment & Options
We analyse your finances, discuss lender options, and explain which loans suit your situation. We ensure you understand the terms, interest rates, and repayment options.
03
Application Submission
We manage the paperwork, liaise with lenders, and keep you informed at every stage, making the process as seamless as possible.
04
Approval, Funding & Settlement
Once your loan is approved, We guide you through funding, settlement and provide any additional advice to ensure your project runs smoothly.
Granny Flat Loans FAQ's
If you wish to find out about some of our other Loans, please click here to see our Loans service Page.
How can I finance a granny flat if the supplier requires upfront payment?
Traditional construction loans don't typically allow for large upfront payments before work starts on-site. In these cases, we will identify alternative solutions-such as an Equity Release from your current home or a specialised Personal Loan. This provides you with the "ready cash" needed to pay the supplier upfront, allowing the kit to be manufactured and delivered for on-site assembly without bank-imposed delays.
Can I use a Personal Loan to cover the upfront costs of a portable unit?
Absolutely. For clients who don't want to refinance their mortgage, you may be able to secure an itemised Personal Loan. This is often the fastest way to get the necessary funds into the supplier’s hands, ensuring your unit is prioritised for delivery and on-site assembly while keeping your main home loan untouched.
What is the benefit of using an "Equity Release" instead of a construction loan?
By tapping into the existing equity in your home, we can provide you with a lump sum at home-loan interest rates. This gives you total control over the funds, allowing you to meet the supplier's upfront payment demands and manage the costs of on-site assembly yourself, rather than waiting for a bank to approve "progress payments".
How can we help if you need the money before the unit arrives?
We focus on the timing of the funds, working with lenders who understand that modular and assembled-on-site units require a different cash flow. By selecting the right loan product, we ensure you have the capital available to secure your order and start the assembly process on your timeline.