Why the New Prefabricated Housing Finance Changes Are a Game-Changer

Exciting news is on the horizon for the prefabricated housing industry! The Commonwealth Bank of Australia (CBA) has announced its commitment to supporting off-site construction, marking a significant step towards making prefabricated homes more accessible. By joining prefabAUS, the peak body for Australia’s off-site construction sector, and introducing new lending policies, CBA is helping to remove some of the biggest financial barriers facing homeowners looking to embrace modern, sustainable building methods.

At reimagined habitat we’re thrilled to see this progress and believe now is the perfect time to start planning your new prefabricated home. Through our collaboration with our sister company, Net Zero Plus, we offer high-performance, prefabricated panelised homes—designed for energy efficiency, comfort, and durability.

Why This Is Great News for Home Buyers

One of the biggest challenges with prefabricated homes has been securing finance. Unlike traditional on-site construction, where banks release progress payments at various stages, prefabricated homes are largely built off-site before being transported and installed. Previously, this meant homeowners had to cover up to 90% of the costs upfront—a significant financial burden that prevented many from choosing this innovative building method.

Under CBA’s new lending policy, customers will now be able to access progress payments of up to 60% of the total contract price before installation, making it much easier to finance a prefabricated home. For those working with an accredited CommBank prefab manufacturer, this figure increases to 80%. We are excited to announce that Net Zero Plus will be one of these accredited manufacturers, ensuring even more homeowners can access high-performance, sustainable prefabricated homes with ease. This change removes a major roadblock and makes prefabricated homes a realistic and attractive option for more Australians.

Prefabrication: The Future of Sustainable Housing

The prefabricated housing industry is gaining momentum worldwide. In countries like Sweden, 80% of homes are factory-built, thanks to their efficiency, high quality, and sustainability. In Australia, we’re now seeing a shift in the right direction, with the CBA’s support expected to drive rapid expansion in the sector.

At Net Zero Plus, we specialise in high-performance prefabricated panelised homes that are designed to meet and exceed energy efficiency standards. Built in a controlled environment, our homes:

✔ Reduce construction time

✔ Minimise waste – factory-controlled construction leads to less material waste.

✔ Enhance energy efficiency – airtight and well-insulated, delivering superior comfort and lower energy bills.

✔ Ensure quality control – precise manufacturing eliminates on-site construction errors.

Now Is the Perfect Time to Start Your Prefabricated Home Journey

With these new financing options set to be implemented soon, there has never been a better time to start designing and planning your prefabricated home. By starting now, you can have your design ready and be ahead of the curve once the new lending policies take effect.

At reimagined habitat, in partnership with Net Zero Plus, we’re ready to help you create a sustainable, high-performance home that meets your needs and budget. Whether you’re looking to build a passive house, a net-zero energy home, or simply an efficient and comfortable living space, our prefabricated solutions are the way forward.

Let’s Get Started!

Interested in learning

more about how a prefabricated home can work for you? Book a free 30-minute consultation with our team—we’d love to discuss your ideas and guide you through the process!