Yes — you can absolutely use FinanceMe as bridging finance to get your HouseMe home built and delivered now, then refinance to a lower-interest bank loan later once it’s installed and added to your property title.

This approach works perfectly for anyone whose bank won’t immediately approve a top-up, or who doesn’t yet have enough equity to fund the build through their mortgage.

Why banks can’t fund you upfront

Most banks won’t give you a mortgage for a transportable home until it’s delivered, installed, and legally recognised on your title. Until that point, it’s classed as a movable asset — not a fixed dwelling — so it falls outside standard mortgage criteria.

That means if your land is bare or your equity’s tight, the bank will often say “come back once it’s built.”
That delay can hold you back for months and cost you valuable opportunities.

FinanceMe fills that gap

FinanceMe provides short-term funding for the build, transport, and installation of your HouseMe home.
The process is quick, with flexible approvals based on your ability to service the loan — not outdated banking red tape.

You can:

• Lock in your build slot immediately
• Avoid waiting for bank valuations or consent hold-ups
• Secure your home now before costs or rates change again

It gives you the freedom to move when you’re ready, not when the bank says so.

How the bridging process works

1. FinanceMe funds your build
You use FinanceMe to get your home built, delivered, and installed on your section.

2. Home becomes part of your property title
Once it’s connected, Code Compliant, and permanently fixed to the land, it becomes a legal dwelling.
That changes everything — the home is now part of your title, and the banks can recognise it as a mortgageable asset.

3. Refinance with your bank
With the completed home on your property, the bank can revalue the full house-and-land package and offer you a standard home loan.
You then refinance out of FinanceMe into your long-term mortgage, usually at a lower interest rate.

Create equity while you do it

One of the biggest advantages of this approach is that you often build instant equity.
Because you’re adding a high-quality, code-compliant home to your land, the total property value usually jumps as soon as the home’s in place.

That extra equity strengthens your financial position, gives you leverage with the bank, and can even help you secure a better interest rate when you refinance.

Example 1: Bare land build

Land value: $250,000
HouseMe home: $130,000 (funded through FinanceMe)
Total cost: $380,000
Bank valuation once complete: $440,000–$460,000

By using FinanceMe, you’ve completed the project without waiting for bank funding.
Once installed, you’ve built around $60,000–$80,000 in instant equity, putting you in a stronger position to refinance and secure a lower long-term rate.

Example 2: Existing home adding a minor dwelling

Existing home value: $900,000
Current mortgage: $720,000
Equity: $180,000 (20%)

New HouseMe minor dwelling: $145,000 (funded through FinanceMe)
Total borrowing after install: $865,000
New property value once complete: $1,100,000–$1,150,000
New equity position: $235,000–$285,000 (21–25%)

Here, FinanceMe allows you to add a new income-generating unit or family space without waiting for bank approval.
Once the unit is installed and added to your title, your property value increases, your equity improves, and you can refinance at a lower rate — all while adding long-term value to your property.

Why this strategy works

• Fast: You start building right away instead of waiting months for bank approval.
• Flexible: You bridge the gap with short-term finance and exit when it suits you.
• Smart: You create equity and refinance later at a lower rate.
• Practical: Ideal if your bank won’t top up or your current equity is limited.

In short:
FinanceMe gets your build moving, helps you create equity, and puts you in a stronger position to refinance later at a lower interest rate. It’s the smart, no-nonsense path for anyone who’s ready to build now but doesn’t want to sit around waiting for the bank to catch up.