Prefab Mortgage Affordability & LTV Estimator

Lenders treat prefab, modular and other non-standard construction homes differently from brick and block. Most cap the loan at around 75% of the property value and lend roughly 4.5 to 5.5 times your income. Enter your figures below to see your indicative maximum borrowing, the deposit you would need, and whether you are likely to need a specialist lender or broker.

The two limits work against each other. Your income multiple sets the most a lender will offer based on what you earn, and the maximum LTV sets the most they will lend against this particular property. Whichever is lower is your real ceiling, and on non-standard construction the LTV cap is usually the one that bites.