Finance Options

Making your build possible, even when banks make it tricky

At PanelLock, we understand that financing a manufactured home can sometimes be more complex than a traditional build.

Some lenders are cautious during the off-site construction stage, as their security is limited until the home is delivered and installed on site. Once the home is in place, full security is restored and funding is typically released.

To help bridge this gap, we offer short-term bridging finance options designed to support your project through the build process.

How It Works

Our bridging option provides flexible payment structures that align with your lender’s requirements, helping keep your project moving without delays.

This is not long-term finance, but a practical solution to cover the period between construction and installation.

Bridging Finance Options

Option 1

Staged Payment (1% Fee)

– 10% deposit on signing the contract
– 80% on delivery of the home to site
– 10% on practical completion

Fee: 1% of total contract value

Option 2

Deferred Payment (2% Fee)

– 10% deposit on signing the contract
– 90% on practical completion

Fee: 2% of total contract value

Eligibility

To access bridging finance, the following conditions apply:

  • The customer will need approved funding in place to complete the project
  • PanelLock will need to see evidence of the funding 
  • A 10% deposit is required upon signing the contract
  • This is only available for customers who are completing the full package build and site works

 

NEED HELP?

Talk to Our Team

If you’re unsure how your finance will work, or want to discuss the best option for your situation, get in touch with our team.

We’re here to help make the process straightforward from start to finish.

Talk to us