Tiny Home Loan Calculator

Not just repayments — this is a finance pathway checker. Add your tiny home price + delivery/site costs, then compare the 4 most common ways Australians fund tiny homes: equity top‑up, personal loan, ABN/business, or asset finance (registrable trailer).

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Rate Challenge — Tiny Home Loan Calculator (Australia)

Tiny Home on Wheels (THOW) + small dwellings • Indicative only • Policies vary by lender and borrower

Last updated: 9 February 2026

Scenario i

Location (State/Territory) i

Tiny home price (A$) i

Savings / deposit (A$) i

Site works / foundations (A$) i

Services & connections (A$) i

Council / permits (A$) i

Delivery / cranage (A$) i

Property value (A$) i

Existing home-loan balance (A$) i

Max LVR on property (%) i

Top-up term (years) i

Credit profile i

Personal-loan term (years) i

ABN trading history (years) i

Financial statements available? i

Commercial term (years) i

Balloon / residual (%) i

Registrable road trailer (VIN)? i

Asset-finance term (years) i

Balloon / residual (%) i

Optional: Use your own interest rate (%) i

Combined gross annual income (A$) i

Dependants i

Existing monthly repayments (A$) i

Ongoing rent / site fees (A$/mo) i

Status: Ready

General information only. Indicative estimates — not credit advice. Policies, rates and caps vary by lender and borrower profile.

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Eligibility summary

Results will appear here.

Tip: run each scenario and compare the results below.

Funding breakdown

Max lend (this scenario)—

Total project cost—

Less savings / deposit—

Loan needed (overall)—

Loan needed (this pathway)—

Non‑fundable gap (if any)—

Surplus / Deficit—

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Repayments (estimate)

Monthly (range)—

Fortnightly (range)—

Weekly (range)—

At your rate (if set)—

Range uses the indicative rate band for this scenario.

Serviceability (capacity test)

Stress rate used (p.a.)—

Estimated capacity / month—

Payment at stress (need)—

Capacity headroom—

If income is blank, we show “policy cap” only (no serviceability).

Indicative rate & term ranges

Rate range (p.a.)—

Term range (years)—

Balloon / residual—

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Compare all 4 pathways

Same project costs (and income, if provided).

Compare is a guide only — lender policy can differ materially.

Copy / download summary

Useful for your builder or to send to us for a real lender check.

Ask us to verify

How to use this calculator (quick)

Tiny homes don’t always fit a standard home loan. This tool helps you pick the right pathway before you apply.

Step-by-step

Enter your tiny home price and add delivery + site works + services + permits.
Add your savings/deposit to see the loan needed (overall).
Pick a scenario and click Check eligibility.
Optional: enter income/debts to run a simple stress test for max lend.
Use Compare all 4 pathways to spot the most realistic option.

What “loan needed (this pathway)” means

For most pathways, “loan needed” is total cost minus savings. Asset finance is different: it usually funds the asset invoice (tiny home + delivery), while site works/services/approvals may require savings or separate funding — we show any “non‑fundable gap”.

Pathways explained (in plain English)

Equity top‑up: cheapest rates if you have property security and usable equity.
Personal loan: fast and flexible, but higher rates + smaller caps.
ABN/business: for genuine business use; trading history + financials matter.
Asset finance: possible when the trailer is registrable; may allow a balloon/residual.

Assumptions & methodology

We use indicative rate/term ranges per scenario, and a conservative stress test (low-end rate + buffer). Living expenses use a simplified HEM-style benchmark by dependants. This tool does not pull credit data and is not a quote.

Related guides & calculators

Tiny Home Finance Guide

Rules, approvals, common pitfalls — and what lenders actually look for.

Tiny Home Finance Brokers Australia

When equity, personal, ABN and asset finance make sense (and when they don’t).

Max Borrowing Calculator

Broader borrowing power estimate for home loans in Australia.

Mortgage Repayment Calculator

Standard home loan repayments (P&I) — weekly/fortnightly/monthly estimates.

Want a real lender answer?

Submit your details and we’ll confirm the best pathway (or hybrid) and compare lenders. We’ll receive your calculator summary too.

Full name *

Mobile *

Email *

Postcode *

Loan amount (approx.)

Which pathway are you considering? *

Anything else we should know?

Call 0407 908 024 Same-day call-back (usually)

By submitting, you agree to be contacted by Rate Challenge. We’ll never sell your data. Privacy Policy available on the site.

Tiny home loan calculator — FAQs

Tap to expand. Phone-friendly answers based on common tiny-home finance scenarios.

Can I finance a tiny home in Australia?

Yes — but the best pathway depends on whether it’s on wheels, fixed, and what security you have. Common options are equity top‑ups, personal loans, ABN/business loans, and asset finance when the trailer is registrable.

Is a Tiny Home on Wheels eligible for a normal home loan?

Usually not as the tiny home itself isn’t “real property” security. Many people fund THOW via equity release (secured against a separate property), personal loans, or asset finance if the trailer is registrable.

Does asset finance cover site works and utilities?

Often not. Asset lenders usually fund the asset invoice (tiny home + trailer), while site works, services and approvals may need savings or separate funding. This calculator shows any “non‑fundable gap”.

What’s a typical unsecured personal loan limit?

Single-lender limits are commonly in the tens of thousands to ~$100k depending on income and credit profile. This calculator models one unsecured loan (no stacking).

When is ABN/business finance appropriate?

When there’s genuine business use (e.g., accommodation income, farm stay, site office). Trading history and financials materially affect lender choice, pricing and maximums.

What is a balloon / residual?

A balloon (residual) is a portion of the loan left unpaid at the end. It lowers repayments but leaves a lump-sum payout. It’s most common in asset finance.

Why do you use a “stress rate” for serviceability?

Lenders assess affordability at a higher rate than your actual rate to ensure you can handle future rises. This tool uses a simplified buffer for education only.

Can I use this calculator for a tiny home on leased land / a tiny home park?

Yes. Mortgage security is usually harder in parks/leases, so personal loans or (sometimes) asset finance may be more realistic. Equity release can still work if you have separate property security.

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