A house of your own,
from 200 to 1 600 € a month.

• Design your house. Put your house together in the configurator, then ask us for the documents. We need the model, roughly where it'll stand, and whether you own the ground.
• We send what your lender needs. A written quote, the specification, the weight and dimensions, the permit position for your municipality and the document list your lender works from. If you're borrowing from your own bank, we also send a pack written for your adviser. One email, nothing for you to chase.
• You apply to the lender. You borrow from the lender, not from us, so the credit agreement is between you and them. Nobody pays us to steer you towards one lender.
• We start the build. Three to six months for a custom build (four to eight weeks for the Nature Pod), two to four weeks for a house in stock. Payments usually run 30% when you sign, 50% during the build and 20% before delivery, or half and half for a house in stock. We can adjust that if you need us to, and whatever we agree goes into your contract.
• Delivery. We deliver to your plot, connect the house and do the final check on site. The five-year warranty starts there (two years on the Nature Pod).

No. You borrow from a bank or leasing company that is licensed to lend. That gives you the consumer protection of a regulated credit agreement, and a rate from someone who borrows money far more cheaply than we could.

Yes, in two ways. The cheapest is usually to increase the mortgage on a home you already own and pay for the house with that. This works for every model. A mortgage on the house itself is possible for a modular home on a permanent foundation, on land you own and with a permanent building permit, because it then becomes part of the property. Banks treat it like any small house, though some, for example in Germany, ask for a minimum living area. A mobile or semi-mobile house stays movable property, so banks don't take it as security for a mortgage. For those, a consumer loan or, for businesses, leasing is the usual route. Ask your bank, and we'll send the documents it needs.

Usually, and by a wide margin, because the bank already holds security it trusts. The catch: the amount you can add is capped against your home's value, that cap has been tightened in some countries, and some banks want the project described as an improvement to your property. Ask your own bank first, then get one comparison offer.

In most countries we sell in, no. Leasing for this kind of house is offered to businesses, because a private lease with a purchase option counts as consumer credit and few lessors set that up. If you buy through a company, it's often the best route.

It opens a route that's otherwise closed, though not necessarily the best one. Registered as a trailer, the house can use caravan and motorhome finance (up to fifteen years in some countries, with the house as security) and one insurance policy for the whole EU. If you already own property, borrowing more on that is still cheaper. Only our mobile range can be registered, because it has to fit the legal limits for a trailer.

Houses sell when people can afford them, and that's our whole interest. No lender pays us anything today. If that ever changes, we'll say so on this page, next to the route it applies to, and it won't change what we recommend.

Look at the total you repay, not just the month. A longer term always makes the month smaller and the total larger. A bigger house over fifteen years can cost less per month than a smaller one over seven, and far more in the end. That's why both numbers sit next to each other in the calculator.