Tiny Home, Expandable & Modular Home Finance | ARCNEXX

A new ARCNEXX home, backyard pod or studio is a big purchase, and many of our customers prefer to spread the cost. That's why we've partnered with Alpha390 Finance, an Australian finance broker that specialises in tiny home finance, modular home finance and finance for relocatable homes. Alpha390 compares more than 30 lenders and explains your options in plain English.

Own an ARCNEXX home sooner than you think.

Financing an expandable home, modular home, backyard pod or portable structure is different from a traditional mortgage. At ARCNEXX, we understand that. That's why we've partnered with Alpha390 Finance, a specialist finance broker with deep experience in alternative and relocatable housing.

Whether you're buying your first expandable home, adding a studio in your backyard, or investing in portable commercial infrastructure for your business, Alpha390 will help you compare the right options and guide you through the process from start to finish.

Finance options are available for residential buyers, self-employed applicants, ABN holders, farmers, and businesses across Australia.

Tiny home finance that suits how ARCNEXX homes are built.

Finance for an expandable or prefabricated home rarely works like an ordinary home loan. ARCNEXX homes are built in a factory and delivered folded or fully assembled. Many can be relocated later, so lenders often assess them differently from a house on land.

That's where specialist tiny home finance experience can make a real difference. Alpha390 works with a broad panel of lenders and helps identify finance options suited to the type of ARCNEXX home you're purchasing and how you intend to use it. For a detailed overview before you enquire, see Alpha390's guide to tiny, modular and granny flat finance.

Ask About Finance for Your ARCNEXX Home

Why finance options vary between products and buyers.

Not all ARCNEXX products are financed the same way. Several factors affect which loan type and which lenders are available to you.

  • Relocatable vs fixed structures

    Relocatable structures like ARCNEXX expandable homes are classified differently from permanently affixed buildings. They are typically financed as personal loans, chattel mortgages or equipment loans rather than traditional home loans. Permanently installed structures may access different lending options depending on council classification and site approval.

  • Personal vs business use

    Whether the product is for personal residential use or for business and commercial purposes affects the loan type, the applicable consumer credit laws, and the range of lenders available. Alpha390 Finance will ask about your intended use upfront so they can match you with the right product category.

  • Individual financial circumstances

    Your income type, employment status, credit history, deposit amount, and assets all affect what lenders will offer and at what rate. Alpha390 Finance works with a broad panel of lenders including those who specialise in non-standard applicants, self-employed buyers, and low-doc situations.

Finance options across the full ARCNEXX range.

From expandable homes to office pods and commercial portables, Alpha390 Finance has experience across a wide range of ARCNEXX products.

  • Expandable Home Finance

    Finance your ARCNEXX expandable home through personal loan or chattel mortgage options. Factory-built and shipped folded, expandable homes are classified as relocatable structures. Alpha390 Finance specialises in financing these products and understands how lenders assess them.

    Browse Expander Homes
  • Modular & Prefab Home Finance

    Finance modular and prefabricated homes built by ARCNEXX. Depending on how and where the home is installed, finance options may include personal loans, construction finance or chattel mortgage products. Alpha390 will assess your situation and recommend the right path.

    View Products
  • Backyard Pod & Office Finance

    Finance an ARCNEXX office pod, studio or backyard retreat. Pods and office units are typically financed as personal loans or equipment loans depending on their use. Alpha390 Finance can help you identify whether your pod is best financed as a personal or business purchase.

    Browse Pods & Offices
  • Portable Building Finance for Business

    Finance containers, shelters, portable toilets, and commercial portable structures for business and site use. ABN holders and businesses can access chattel mortgage and equipment finance options. Alpha390 Finance works with sole traders, tradies, farmers, and larger commercial operators.

    Browse Commercial Products

How finance works with ARCNEXX and Alpha390.

We've made the finance process as straightforward as possible. Here's what to expect from enquiry through to delivery.

  1. Choose your ARCNEXX product

    Browse the full ARCNEXX range and choose the expandable home, pod, container or portable structure that suits your project. Consider your intended use: residential, investment, backyard studio or commercial.

  2. Apply or ask a question

    Submit a finance application online or request a call if you'd prefer to talk through your options first. Alpha390 Finance will reach out quickly to understand your circumstances and the product you're looking at.

  3. Alpha390 compares lenders

    Alpha390 Finance compares more than 30 lenders on your behalf, identifying which products suit your situation, the structure being purchased, and your personal or business financial circumstances. They'll present you with the most suitable options.

  4. Approval, order & delivery

    Once your finance is approved and your order is confirmed with ARCNEXX, we'll arrange production and delivery. Alpha390 Finance remains your point of contact for all finance questions throughout the process.

Why ARCNEXX chose Alpha390 Finance.

Alternative housing finance is a specialist field. Not every broker understands how expandable homes, relocatable structures or portable commercial buildings are assessed by lenders. Alpha390 Finance does.

  • 30+ lenders compared

    Alpha390 works across a wide panel of Australian lenders, giving you real choice rather than a single-lender outcome.

  • Specialist experience in alternative housing

    Alpha390 understands how relocatable and expandable homes are classified and how different lenders assess them, so your application is presented correctly from day one.

  • Self-employed and ABN applicants welcome

    Low-doc and no-doc options may be available. Alpha390 Finance has strong experience helping self-employed and ABN-registered buyers access finance.

  • Australia-wide finance options

    Wherever you're based in Australia, Alpha390 Finance can help. They work with lenders that operate nationally, not just in major cities.

  • More than 10 years in Australian finance, Australian Credit Licence 506065

    Alpha390 Finance brings more than a decade of experience in the Australian lending market. That experience matters when your purchase is outside the mainstream. Find out more about Alpha390 Finance.

Finance available for self-employed buyers, tradies, farmers and businesses.

If you're self-employed, run a business, or hold an ABN, financing an ARCNEXX product may look different to a standard residential purchase. And that's okay. Alpha390 Finance has extensive experience working with non-traditional applicants.

ARCNEXX offers a wide range of products suited to commercial and business use, including office pods, containers, shelters, portable toilets, and workbenches. These can often be financed as business assets through chattel mortgage or equipment finance, which may carry different tax and cash flow implications than a personal loan.

  • Sole traders
  • Tradies
  • Farmers
  • Small businesses
  • Commercial operators
  • ABN holders
  • Companies & trusts
Apply for Business Finance

  • Low-doc and no-doc options may be available

    Self-employed buyers who can't provide standard payslips may qualify for low-doc or no-doc loan products. Alpha390 Finance will assess what documentation is available and which lenders can work with it.

  • Chattel mortgage and equipment finance for business assets

    ARCNEXX products purchased for business use can often be financed as equipment or commercial assets. Depending on your structure, this may offer different GST and depreciation treatment. Speak with your accountant about what's right for you.

  • ABN registration is not a barrier

    Alpha390 Finance works with registered ABN holders across a wide range of industries. Whether you've been trading for six months or twenty years, they'll assess your application based on your actual circumstances.

  • Finance for rural and remote properties

    Farmers, rural landholders, and buyers in regional and remote Australia can apply through Alpha390 Finance. The lender panel includes options suited to non-metropolitan locations and rural land use.

Common questions about ARCNEXX finance.

Have questions?

About finance: call Alpha390 Finance on 1300 390 390 or request a callback.

About our homes, stock or delivery: contact the ARCNEXX team.

Can you get tiny home finance in Australia?

Yes. Finance is available for many tiny, expandable and modular homes, although it’s usually arranged differently from a standard home loan. The right option depends on the home, how you’ll use it and your circumstances.

Do I need to own land to finance an ARCNEXX home?

Not always. Some loans for relocatable homes don’t require land as security. If you plan to fix the home to land, other options may be available. Alpha390 Finance will confirm what applies to your specific situation.

Can I finance a granny flat for family or rental income?

Often, yes. ARCNEXX expandable homes used as granny flats for family, or as rental units, can be financed as a personal or investment purchase. Check your council’s rules on placement and occupancy first.

Can I finance a backyard pod or studio?

Yes. ARCNEXX pods and studios can often be financed with a personal loan. If the pod will be used mainly for your business, ABN finance may be an option.

What deposit will I need?

It varies by lender, loan type and your circumstances. Alpha390 will confirm what applies to you once they’ve reviewed your situation.

How long does finance take?

It depends on the lender and your paperwork. Alpha390 will give you a realistic timeframe. If you’re buying an in-stock ARCNEXX home, speak to them early so finance is ready when you need it.

Does ARCNEXX provide the finance?

No. Finance is arranged by Alpha390 Finance, and loans are provided by the lenders on its panel. ARCNEXX is not a credit provider and does not provide credit advice.

Ready to finance your ARCNEXX home?

Apply online, or ask for a call if you'd like to talk through your options first.

Apply for Finance Talk to a Finance Specialist

Important: Finance is arranged by Alpha390 Finance, a trading name of Five Tees Pty Ltd, Australian Credit Licence 506065. ARCNEXX is not a credit provider and does not provide credit advice. All finance is subject to lender approval, lending criteria, terms, conditions, fees and charges. This information is general in nature and does not take into account your objectives, financial situation or needs.