Financing

Fund it like the asset it is.

A compact home isn't only a cost — configured to earn, it can carry much of its own financing. Below is how European buyers typically fund one, and an honest, illustrative view of the monthly numbers.

All prices on this site are ex-VAT, EXW (priced at the factory gate). Your landed total — delivery, foundation, crane & install, hookups and any duty — is built up in the configurator. The “€38,000” or “€320/mo” you'll see below is a starting point, not a final invoice.

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How Europeans fund it

Three routes, depending on where you are.

Release what you own

Equity release on your existing home

“Overwaarde benutten” (NL)

If your main home has risen in value, many EU lenders let you borrow against that gain to fund a second, income-generating unit. In the Netherlands this is widely marketed as putting your overwaarde to work — common for garden annexes and short-stay cabins.

Terms, loan-to-value and tax treatment vary by country and lender.

Green-renovation funds

National energy & renovation programmes

Several EU states run subsidised loans or grants for energy-efficient building and renovation. A factory-built, well-insulated unit can qualify in some schemes — particularly where it improves the energy profile of a property or replaces older stock.

Eligibility is country-specific and changes yearly; check the current programme locally.

Germany

KfW efficiency-house financing

Germany's KfW development bank offers low-interest loans for efficient new builds. As of mid-2026 the EH55 efficiency-house tier runs at roughly 1.0% (programme extended to end-2026, budget-capped) — attractive for a unit that meets the standard.

EH55 ~1.0% as of mid-2026 is indicative; the tier is budget-capped and expires 31.12.2026 — rates and caps are set by KfW and change.

United States & Canada: financing guidance is coming as we confirm those markets. We won't publish routes we can't yet stand behind.

The monthly view

What a unit looks like, per month.

Run the full ROI →

Corner House

Entry · short-stay · scalable

€320/mo

Unit price: €38,000
Basis: Entry unit, ex-VAT EXW
Illustrative revenue / yr: ≈ €29,000

Cliff House

Premium 3-bedroom home

€1,445/mo

Unit price: €171,400
Basis: Premium home, ex-VAT EXW
Illustrative revenue / yr: ≈ €64,000

Where the money comes back

The point isn't the payment — it's the payback.

Financing is only half the picture. Our ROI calculator builds the other half from the ground up: nightly rate, realistic occupancy, and an honest cost stack — so you can see how much of the monthly figure a unit can earn back. Conservative by default, and yours to edit.

Open the ROI calculator See the Corner House

Illustrative payback

~2.6 yrs

Corner House · €145/night · 55% occ

Depends on location, occupancy & financing.

Please read

Honest small print.

This is not financial advice. Nothing here is a loan offer, a rate quote, or a recommendation. Speak to a qualified lender or adviser before you commit.
Every figure is illustrative. Monthly amounts use a worked example (15-year term, 6% APR, unit price only) to show scale — your real numbers will differ.
Country specifics vary by lender. Equity-release rules, green-renovation funds and KfW tiers change and vary by lender; check the current terms locally.
Landed costs are quoted per market. Delivery, foundation, install and duty — and US & Canada financing — are priced market-by-market, so they land in your written quote rather than here.

Next step

See the payback, then build your price.

Start with what a unit can earn, then configure yours to a real, landed total — no checkout, no pressure.

Open the ROI calculator Build & price your home