SERVICE ONE Alliance Bank’s team of home loan specialists have been helping borrowers with their kit home finance requirements for years. SERVICE ONE understands differences exist between obtaining finance for a kit home than a more traditional house purchase and they provide a tailored service to address these needs.

Multiple options for borrowers

SERVICE ONE’s suite of home loans provides multiple options for borrowers, including:

A variety of fixed and variable loan rates

Redraw and offset facilities on the majority of loan options

A banking package option

Loan options for not only owner occupied, but for investment properties.

Insurance cover to protect loan repayments

What makes SERVICE ONE different

Some home loan providers see a kit home purchase as complicated, and as such, they can be difficult to deal with. SERVICE ONE simplifies the process and like Kitome’s staged process of delivery, SERVICE ONE’s funding works in much the same way, and they take into consideration the value of the materials your home will be made of, not just the final value once everything is built and finalised.


SERVICE ONE is a customer-owned financial services provider, owned by the people who save and borrow with them. They have been servicing the needs of their customers (known to them as Members) and the broader community for over 50 years.

SERVICE ONE is known for their award-winning lending products, delivered through personalised service.

What Happy Clients Say

We would like to mention how good Service One Member Banking has been to deal with in the financing of our new home.

We were finding it difficult to organise finance through the big end of town and turned to Kitome to discuss our delays. Kitome recommended we approach Service One Member Banking and this was the turning point for our project. The Service One team were very ready to assist and the ease and efficiency of organising the finance was a very nice change. They responded to our requests quickly via email and phone and within a very short time we were approved to proceed.Our payment were dispersed once goods were delivered to site and the whole process was speedy and worry free.The rates offered were very competitive and when we were about to sign the mortgage papers the Service One contact discovered an even better rate for us saving us money each month as well as a discount voucher book for our city.Some of the other lending institutions did not understand the kit home concept and were unwilling to lend to prospective home builders on large land blocks. We were and continue to be treated as people and not numbers. It is refreshing to deal with such a competent and understanding lender.

Mark and Kerry Wagstaff


Enquire or apply now:

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application. Some services require separate applications and are subject to assessment.

Deposits and loans with SERVICE ONE Alliance Bank are deposits and loans of Bendigo and Adelaide Bank Limited AFSL/Australian Credit Licence 237879.

Service One Mutual Limited ABN 42 095 848 598 operates SERVICE ONE Alliance Bank and is an agent of Bendigo and Adelaide Bank. SERVICE ONE has arrangements with third parties as detailed in the Financial Services Guide.