Finance Options for Your Granny Flat or Custom Home

Flexible Finance Options

We make building accessible with our flexible financing options and specialised in-house brokers. Contact us to find out if you quality for a loan, and get expert advice on your best financing option.

Competitive Interest Rates

Our financing options come with competitive interest rates, ensuring that you get the best value for your investment.

Low Deposit

We strive to make building a house accessible- with our Keystart loan system, you only need a 2% deposit to start building.

Flexible Repayment Terms

We offer flexible repayment terms that fit your budget, making it easier for you to manage your construction expenses.

At Armour Homes, we know that financing your dream granny flat or custom home is a big decision. That’s why we’ve simplified the process with the help of our experienced in-house finance brokers who specialise in construction loans. With flexible options and a straightforward approach, we’ll guide you every step of the way to make your vision a reality.

A modern outdoor entertainment area with a pool and outdoor setting.

Why Finance Your Project with Armour Homes?

  1. Tailored Solutions for Every Budget

    Whether you're planning to build a functional granny flat or a stunning custom home, our financing options are designed to fit your budget and lifestyle.

  2. Expert Guidance from In-House Brokers

    Our in-house finance brokers specialise in construction loans, providing personalised advice to help you explore the best funding solutions. From estimating granny flat costs to securing financing for a luxury two-story home, we’re here to help you make informed decisions.

  3. Flexible Plans for Granny Flats and Custom Homes

    With options for everything from affordable granny flat prices to larger new home builds, our financing plans are tailored to meet your unique needs.

Making It Easy: 4 Steps to Finance Your Build

We’ve made financing your project as simple as possible. In just four steps, you can have your financing sorted:

  1. Check Your Loan Eligibility

    Fill out the form below or give us a call, and we’ll let you know if you qualify for a loan.

  2. Meet with Our In-House Brokers

    Schedule a consultation with one of our experienced brokers to discuss your goals and explore your finance options.

  3. Get the Best Financing Options

    Our brokers will recommend the most suitable financing plan for your granny flat or custom home.

  4. Relax While We Build

    Once financing is in place, sit back and relax while we turn your dream property into reality.

a person relaxing in a hammock with a dog looking at them

Frequently Asked Questions

Am I eligible for a Keystart loan?

Keystart loans are available for Australian citizens or permanent residents who do not own another property at the time of the settlement of the Keystart loan. Applicants must plan to live in the home for the duration of the loan repayment, and have enough funds to cover all fees associated with the purchase. Applicants must not exceed maximum salary limits - for singles this is $105,000, and for couples it's $155,000.

How do I apply for financing?

To apply for financing, fill out the form or give us a call, and we can tell you immediately if you're eligible. After that, we'll get you to come in and we'll walk you through the application process.

What is a Keystart loan?

Keystart loans are low deposit loans. They require only a 2% deposit and no Lenders Mortgage Insurance. This makes them an affordable option for new home builders.

What is the First Home Owner Grant?

As of 2023, the First Home Owner Grant is a one-off $10,000 payment to applicants buying or building their first property.

What is stamp duty concession?

Stamp duty concession means that eligible first home buyers or builders pay reduced or no stamp duty.

Am I eligible for stamp duty concession?

Stamp duty exemption is available in WA for homes and land valued under $430,000. Concession stamp duty rates are available for homes and land valued between $430,000 - 530,000. To qualify, purchasers must be first home or land buyers.

Apply For Financing

Find out if you qualify for financing, and start the process to acquiring your loan.

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