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Get into your modular home sooner.

Get into your modular home sooner.

With our low 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

What is a modular home?

A modular home is a prefabricated home created in a factory off site, then transported to your land for installation. These homes are built to the same standards and regulations as traditional homes with a range of attractive designs that can be tailored to your needs. They’re especially popular in regional areas where it can be hard to find local builders.

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 deposit requirement to help you get into your own modular home sooner.

The Modular Home Loan is a loan type within our Low Deposit Home Loan product.

If eligible, you may be able to use your first home owner grant (FHOG) towards your deposit. If you don’t qualify for FHOG, you may have an option to increase your loan amount up to a maximum of $10,000 to reduce your deposit requirements.

Start an enquiry   How much can I borrow

Is a modular home for you?

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.

Evoke Living Homes

Evoke Living Homes is renowned for designing and building high-quality, custom modular homes. Their modular homes are built in a manufacturing facility and installed on-site, providing a quality and efficient building solution for regional and remote Western Australians.

Visit website

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.

Visit website

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.

Visit website

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.

Visit website

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.

  • Same standards and regulations as traditional home construction.
  • Generally built faster than a home built on a block of land.
  • Attractive, innovative, compact home designs with flexibility to suit your needs.
  • Weather conditions will have less impact on your build.
  • Designed for sustainability in mind with innovative, energy-efficient materials.

Things to consider.

  • Some councils or estates may have rules or requirements about modular constructions. Your builder can assist with this.
  • There may be some limitations to modular build options based on block size or access.
  • Transport costs may add to price. Your builder will run through all costs in the process.
Modular home builder

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.

Visit website

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.

Visit website

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.

Visit website

Evoke Living Homes

Evoke Living Homes is renowned for designing and building high-quality, custom modular homes. Their modular homes are built in a manufacturing facility and installed on-site, providing a quality and efficient building solution for regional and remote Western Australians.

Visit website
How to get started

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.

    Frequently asked questions

    Frequently asked questions

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    • Q Can I put my modular home anywhere I like?
      A
      At Keystart, you can buy an established home or build your home wherever you like. With a modular home, you’ll need to have titles for the land you’re going to use. You’ll need to also consider what local council requirements are in your desired area. Some modular homes require specific block sizes and locations so you’d need to discuss these requirements with the builder.

      It may be that you are buying a block of land and the modular home together. We can help you with both.
      Enquire now
    • Q Can I use this loan for a tiny home or a granny flat?
      A
      To be eligible for our Modular Home Loan, we refer to a modular home as a prefabricated home, created in a factory off site and then transported and fixed to a land site with all your utilities connected. The modular home will need to meet our minimum building requirements and needs to be through our established builders’ list.
    • Q I already have the land, can I still get a modular home loan?
      A
      We have options if you already own land or have a finance on your land. Get in touch and we can run through your options.The same property and income limits that apply to our Low Deposit Home Loan are applicable to the Modular Home Loan. You can easily view these limits by checking out Low Deposit Home Loan.
    • Q Do I still have to pay any progress payments to the builder?
      A
      As a customer, the only payments you’ll need to make are monthly construction payments of $400. Keystart will make the progress payments directly to your builder on your behalf. These payments will then be applied to your overall loan with Keystart.
    • Q Can I use another builder other than the ones listed?
      A
      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.
    Want to learn more?

    Want to learn more?

    This text explains and introduce the copy about how to qualify for a modular home loan.

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