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Flexible Finance

Don't let upfront cost hold you back. We've partnered with Handypay — one of Australia's most trusted finance providers — to offer straightforward payment plans for modular home purchases.

Payment Plans Through Handypay

Capsul has partnered with Handypay — one of Australia's most trusted personal finance providers — to offer payment plans specifically for modular and container home purchases. Handypay specialises in home improvement financing and understands how modular home purchases work.

Once your loan is approved, the funds are deposited directly to you. You then pay Capsul, and repay Handypay over your chosen term at a fixed rate from day one. Weekly, fortnightly, or monthly repayments aligned to your income cycle.

No hidden fees. No variable rate surprises. No early repayment penalties.

Apply Now with Handypay →

You'll be redirected to Handypay's secure application portal.

Loan Amount$2,001 – $75,000
Loan Terms1 to 7 years
Interest RateStarting at 6.99% p.a. (fixed)
Repayment OptionsWeekly, fortnightly, monthly
Early RepaymentNo fees
Decision TimeMinutes (conditional)
SecurityUnsecured
$30K over 5 yrs
~$135/wk
@ 6.99% p.a.
$50K over 5 yrs
~$225/wk
@ 6.99% p.a.
$75K over 7 yrs
~$245/wk
@ 6.99% p.a.

Indicative only. Actual repayments depend on your approved rate and loan term.

More Ways to Fund Your Build

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Equity Release / Redraw

If you own a home with equity, you may be able to redraw from your existing mortgage or increase your home loan limit. Often the lowest-rate option. Talk to your bank or mortgage broker.

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Construction Loan

Some lenders offer construction finance for modular homes, drawn down in stages as the build progresses. A broker who specialises in modular or prefab homes can identify the right lender.

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SMSF Investment

A Self-Managed Super Fund can purchase an investment property including land with a Capsul home. Requires a limited recourse borrowing arrangement (LRBA). Speak with your SMSF accountant.

Finance FAQ

Yes. Handypay's conditional approval is based on your financial position, not the specific purchase. You can get pre-approved for an amount and then choose your product within that budget.
Handypay can finance up to $75,000. Depending on your product choice, this may cover just the unit, or the unit plus some site works. For higher total costs, combining Handypay with equity release from your property is a common approach.
All advertised prices are build cost only, excluding GST. They do not include delivery, council permits, site works, or installation. We provide a full itemised cost breakdown before you sign anything.
In limited circumstances — typically through an SMSF purchasing an investment property, or under the First Home Super Saver Scheme for eligible first home buyers. Have a chat with your accountant about what applies to your situation.
Handypay assesses self-employed applicants. You may need to provide additional documentation (BAS statements, tax returns). For larger loan amounts, a mortgage broker who specialises in non-standard income can often find solutions that mainstream lenders won't.

Ready to Check Your Options?

Apply with Handypay in minutes, or talk to our team about the best approach for your situation.