Loans for tiny homes | Compare 70+ lenders for your best rate

TINY HOME FINANCING MADE SIMPLE

Create your dream tiny home — without draining your savings.
Whether you’re building from scratch, installing a backyard granny flat, or buying a pre-built tiny house, a personal loan can give you fast access to the funds you need to bring your vision to life.

At Ausloans, we compare personal loan options from over 70 trusted Australian lenders — including banks, credit unions, and specialist finance providers. We match your profile with the lenders most likely to approve your application, helping you secure competitive rates, flexible repayment terms, and no hidden fees.

Compare 70+ Tiny Home Loan Lenders in Minutes

— one simple application.

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WHAT CAN I USE A TINY HOUSE LOAN FOR?

Planning to build or buy a tiny house without touching your savings? A personal loan for a tiny house gives you the flexibility to fund every stage of your project — from design and construction to delivery and fit-out. Whether you’re creating a standalone small home, adding a backyard granny flat, setting up an off-grid retreat, or investing in sustainable upgrades like solar and water systems, tiny home finance helps you bring your vision to life with manageable repayments.

Tiny Homes

Get your tiny home with a personal loan that covers everything from clever space-saving designs and built-in storage to quality fixtures, appliances, and complete interior fit-outs — all without dipping into your savings or equity.

Granny Flats

Tiny home granny flats are a smart and affordable way to add extra living space to your property without the high cost of traditional extensions. A tiny home granny flat offers flexibility, boosts property value, and can often be built faster and more cost-effectively than a standard build.

Modular Home Office Building

A tiny home home office is a cost-effective way to create a dedicated workspace separate from your main house. Whether you’re running a business, working remotely, or need a quiet studio, financing a tiny home office lets you design a functional, space that adds value to your property.

Container Homes

Finance your container home with a personal loan that covers everything from purchase and conversion to transport, insulation, and complete interior fit-outs. Whether you’re creating a compact home, studio, or holiday retreat, container home finance offers a simple, affordable way to transform a repurposed structure into a stylish, sustainable living space — without using your savings or home equity.

Pod Homes

Get your prefabricated pod home with a personal loan that covers everything from transport and installation to high-quality finishes, appliances, and interior fit-outs — all without tapping into your savings or home equity. Enjoy an affordable, move-in-ready living solution designed for comfort, sustainability, and modern Australian lifestyles.

No Credit Score Impact to Apply

Check your loan options without hurting your credit score. Our pre-check is obligation-free and 100% safe.

Fast Pre-Approval in Under 3 Minutes

Complete our simple online form and get matched with lenders in minutes — no waiting around.

Loans from $5,000 to $150,000+

Whether you’re upgrading a single room or overhauling the entire property, we’ve got finance options to match your budget.

Options for Good and Bad Credit

Our panel includes lenders who specialise in bad credit home renovation loans, low-doc approvals, and flexible terms for all credit types.

4.8 Stars from 5,000+ Reviews

Join thousands of satisfied Australians who’ve rated us for great service, clear communication, and fast funding.

Ready to find your best tiny home finance rate?

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Step 1:
Apply Online in Minutes

Tell us what you need and upload your documents. No long forms.

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Step 2

Step 2:
We Compare 70+ Lenders

Our smart tech – Zink – finds your best match using AI and real-time lending data.

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Step 3:
Get Approved and Funded Fast

We’ll guide you through approval, right through to settlement.

Step 3

Submit one application and we’ll handle the rest

— matching you to lenders who want your business.

Get Approved

Lender

Loan Amount

Loan Term

Interest Rate (FROM)

Comparison Rate

Get My Rate

Pepper Money

$5,000 - $150,000

1-7 years

9.44%

10.92%

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Liberty

$5,000 - $100,000

2-7 years

8.29%

9.95%

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Latitude

$3,000 - $100,000

2-7 years

9.24%

10.68%

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Wisr

$10,000 - $147,000

3-7 years

7.54%

9.08%

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MoneyMe

$5,000 - $50,000

3-7 years

5.99%

6.70%

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Now Finance

$15,000 - $100,000

18m-7 years

5.95%

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BOQ

$5,000 - $80,000

1-7 years

7.39%

8.19%

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ANZ

$5,000 - $75,000

1-7 years

7.49%

8.18%

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Commonwealth

$4,000 - $120,000

1-7 years

6.29%

7.71%

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Plenti

$10,000 - $100,000

1-7 years

6.49%

8.05%

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Compare 70 Lenders

— one simple application.

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TINY HOME LOAN FAQS

Got questions about financing a tiny home in Australia? You’re not alone. Whether you’re building from the ground up, installing a backyard granny flat, or converting a small space into a home office, this FAQ section covers everything you need to know about tiny home loans. From eligibility criteria and borrowing limits to approval times and credit score factors, we’ve answered the most common questions to help you plan your project with confidence.

To be eligible for a tiny home loan, you must be at least 18 years old, provide valid ID, and demonstrate a steady income. At Ausloans, we work with a wide panel of lenders who support various applicant types — including homeowners, tenants, and sole traders. Even if you're self-employed or have minimal documentation, we offer low-doc finance options that make it easier to get approved.

Unlike traditional home loans or lines of credit, our personal loans for tiny homes can be either secured or unsecured, giving you flexibility based on your circumstances. Secured loans often come with lower interest rates, while unsecured options don’t require property ownership or equity. Whether you’re buying your first tiny home or setting up an additional living space, lenders focus on your credit profile, income, and ability to repay — not your existing assets.

Yes — many lenders allow you to use a tiny home personal loan to finance a DIY build, provided the funds are used for legitimate project-related expenses. This can include building materials, tools, fixtures, and even specialist services you may need along the way, such as electrical or plumbing work.

Keep in mind that while DIY projects offer flexibility and cost savings, lenders may have specific requirements around how the funds are used and may request details about your plans, budget, or construction timeline. Being prepared with a clear outline of your project and estimated costs can improve your chances of approval and ensure you get the right finance option for your build.

With Ausloans, speed is on your side. Our online platform provides instant pre-approval in under 3 minutes. Once you submit your supporting documents, many lenders can release funds within 1 to 2 business days. This fast turnaround means you can get started on your renovations without delay.

Most lenders offering home improvement loans have a minimum loan threshold of $5,000. However, you can borrow significantly more depending on your credit profile and income. Repayment terms range from 1 to 7 years, and you’ll be matched with a lender who offers loan structures that suit your budget and financial goals.

Beyond the interest rate, personal loans can include setup fees, account-keeping charges, and sometimes early repayment penalties. Ausloans helps you understand the true cost by showing comparison rates, which factor in most fees and charges. We’ll help you avoid hidden costs by comparing real offers from Australia’s top lenders — all in one place.

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TINY HOME LOANS MADE EASY COMPARE 70+ LENDERS ACROSS AUSTRALIA

TINY HOME FINANCING MADE SIMPLE