Modular Housing Finance

Lending Options for Modular Construction

Specialists in Methods of Modern Construction (MMC) financing


Modular Construction Loans are used to buy a building or land and have the finance spread out over a much longer period than say a bridging or development loan.

Unlike bridging loans or development finance which only come with 12 month or 18 month loan terms, Modular Housing Loans can be taken over 30 years, much like a traditional mortgage you would get from the high street.

Modular buildings are becoming more common in the UK. For lots of people, the first they heard about such construction techniques was on the TV show Grand Designs way back in 2003, where the self builders were importing a prefab (pre-fabricated) house from German manufacturers Huf Haus.


Whilst many people were sceptical about this type of build, it has proved to be a winner and in fact, the UK is the 2nd biggest Huf Hause market in the world, such is their appeal, due in no small part to the comparatively cheaper construction costs and build time.

As a Modular Construction Loan will be used for a property (in most cases) that the borrowers/self builders will live in, it will also be priced accordingly and very differently to bridging loans or property development finance, both of which are expensive compared to Modular Construction Loans.

If you are unsure of some of the industry words we use, you can look at our glossary of terms.

We are the ‘goto’ finance broker for property professionals throughout the UK looking to fund residential, commercial & industrial property.

Our Modular Construction Loans Summary:

  • Heads of Terms from Mortgage Lenders produced  the same day you apply
  • Modular Construction Mortgages from £100,000 to £10m
  • interest rates from just 3.99% per annum
  • Loans available on residential, commercial and industrial properties
  • We can also fund farms, farmland, agricultural land in England, Wales and Scotland
  • Industrial units and industrial estates in England, Scotland and Wales
  • Land with or without planning
  • Modular Construction Mortgages and Loans up to 70% LTV…NET
  • Interest can be rolled up (paid at the end when you sell or refinance the property), deducted from the initial loan or serviced (paid monthly)
  • Joint Venture (JV) finance
  • 100% of purchase price
  • Loan terms from 3 months to 5 years
  • Portfolio bridging available if you have a number of properties that need refinancing
  • Bespoke, speedy service for large Modular Construction Loans above £1m

Apply For A Modular Construction Bridging Loan Today

Frequently Asked Questions

  • Modular Construction Mortgages and Loans are a type of funding that allows you to build a property much much quicker than traditional housing techniques.

    It also allows you to bespoke design your home because the structure is being built off site and can accommodate most borrower requirements.

    The actual build itself is also a lot cheaper than a traditional brick or stone built property and in most cases, can be on site and in place in just 3 days.

    Also, a Modular Construction Loan is based on the asset, in this case, the structure, or ‘kit’ as it sometimes known.

    There are over 300 different bridging lenders in the UK (yes, 300!)…Some are major financial institutions like banks and some are specialist lenders you may have heard of like Aldermore or Shawbrook and not all of them will offer you finance for your modular housing project.

    In fact, there are no standout modular housing lenders in the UK at all so it is a question of searching the market.

    However, there are literally hundreds of smaller, alternative finance lenders who generally take more risks than the big banks and this allows them to lend against unusual or unmortgagable assets such as prefab or modular housing.

    It could be buying a house at auction. It may be buying another property before you have sold your existing one or it may even be because you want to buy a piece of land that doesn’t currently have planning permission.

    Whatever the reason, a modular housing bridging loan can be quick and relatively simple to apply for. As most lenders are looking at the value of the security (land or property) and not you, it enables them to lend money quickly and with little fuss.

Apply For A Modular Construction Commercial Mortgage Today

Examples of Modular Construction

These are some of the leading UK modular construction experts with real life examples given

Modular Housing Finance News

We have added two new long term commercial lenders to our panel of Modular Housing Construction finance.

A simple land with planning loan for £825k approved this morning in Formby along with a ground up development finance deal for £1.9m over 18 months.

We have successfully funded our 3rd land with planning bridging loan this week. More details at

Development finance rates from 0.68% pm, even if you have no experience of 'ground up' development projects #thefinancebiz #developmentfinance

Interesting property development finance deal for an overseas borrower this week. The loan was for £3.83m and involved 7 different properties...#developmentfinance #commercialmortgages

Modular construction finance is available in both short term (bridging) and long term lending (commercial mortgage)

Joint Venture Property Finance is not as difficult as you may think. Here at The Finance Business, we are not only commercial mortgage experts, we are also JV Finance specialists too #jvfinance #jointventurefunding #commercialmortgages

Still receive a lot of traffic to the Ultimate Guide to Liverpool Commercial Mortgages

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