Prefab Homes New Brunswick: Your Custom Prefabricated Home and Cottage Builder!
✨ Explore affordable, energy-efficient prefab homes New Brunswick.
Custom-built designs, fast delivery, and expert craftsmanship—perfect for modern living. ✅
Prefab Homes New Brunswick | Modular & Custom Options 🏡
Explore the smart, sustainable future of homeownership with prefab homes in New Brunswick—designed for comfort, efficiency, and affordability.
At My Own Cottage, we combine Canadian craftsmanship, innovative modular design, and environmentally conscious building practices to create homes that reflect your lifestyle and values.
Much like our renowned prefab homes Ontario collection, these proudly Canadian prefab homes are swiftly gaining popularity with modern homeowners.
As a trusted prefab home builder in New Brunswick, we don’t just deliver houses—we deliver personalized living experiences, supported by local expertise and a passion for quality.
From cozy cottages to spacious family homes, each structure is crafted to meet your needs and delivered directly to your preferred site—ready for living, not waiting.
👇 Scroll below to explore our most popular and client-loved prefab home models, and discover why more New Brunswickers are choosing My Own Cottage to bring their dream home to life.
Prefab Homes New Brunswick Floor Plans
Looking for Custom Prefab Home Design?
Click or tap the link below to book a free custom design consultation!
Our modern, efficient, and customizable prefab homes in New Brunswick offer an affordable, eco-friendly, and fast solution for homebuyers.
With flexible designs and off-site modular construction, you can create a dream home tailored to your lifestyle.
Whether you seek sustainability, speed, or customization, we have options for everyone!
Take the next step in modern homeownership—contact us today and let our experts guide you to the perfect home!
What Our Clients Can Expect
Get Real-Time Updates
Stay in the loop like never before with our innovative, user-friendly mobile platform, you can get real-time updates on your project, right at your fingertips!
Reach Higher Value
Experience the height of value with My Own Cottage! We don’t just build homes, we sculpt dreams with unparalleled quality and affordability.
Better Building
Welcome to a new era of housing with My Own Cottage, where “better building” isn’t just a promise, it’s our ethos. Our proficiency is unparalleled.
Our Process
Have you always wanted a home or guest house, but didn’t want your property turned upside down for entire weeks while construction crews built and installed it?
The first step in building your dream home is partnering with the right builder!
… And we’ve got good news for you! Our process is absolutely simple and seamless:
Schedule Your Free Consultation
Booking an appointment is easy. Our free consultation will ask questions about your lifestyle, décor preferences, and home estate goals.
Plan Your Home Design
We’ll personalize a home plan and design just for you. Backed by comprehensive support, warranty, and our quality guarantee.
Your Home is Built!
After choosing from an array of affordable options, we’ll build the home that best fits your needs. Enjoy low maintenance with great savings.
👓Testimonials 🎉
📅 Your Prefab Home Journey in New Brunswick
Planning to build a prefab home in New Brunswick?
Understanding the full timeline—from your first free consultation to the day you walk through your front door—is key to a smooth, stress-free experience.
At My Own Cottage, we believe in complete transparency and realistic expectations.
All built on our proven process and deep local expertise.
Here’s what your homebuilding journey looks like—broken down step by step.
📊 Prefab Home Timeline Overview
🗓️ Week 1–3: Discovery & Design
Initial free consultation (virtual or in-person)
Site review and zoning check
Selection of a standard model or custom design
Signed proposal & preliminary drawings
👨💼 Our design experts help tailor layouts to your lifestyle, lot, and municipality.
📄 Week 4–6: Permits & Engineering
Final construction drawings submitted
Permit application prepared and submitted
Site-specific engineering (snow load, foundation type, etc.)
📌 We help handle permit coordination with your local NB municipality or planning district.
🏗️ Week 7–10: Factory Construction
Home is built in a controlled environment
Materials are precisely cut and assembled for airtight, energy-efficient results
Final quality inspections completed
🔧 Factory precision means fewer delays, less waste, and stronger builds.
🚛 Week 11: Site Prep & Delivery
Foundation poured or installed (crawlspace, slab, or full basement)
Home delivered to your site and placed by crane
🏞️ Delivery is completed in a single day in most NB locations.
🔌 Week 12–14: Final Connections & Inspections
Plumbing, electrical, HVAC connected
Interior finishing touches (paint, flooring, trim)
Municipal inspection & Occupancy Permit issued
🏡 Now it’s move-in ready—built to last, and built for New Brunswick’s climate.
✅ What Makes Our Timeline Possible?
Local permitting knowledge = fewer delays
In-house design team = no third-party handoffs
Factory-controlled builds = weather-proof production
Streamlined logistics = fast, clean on-site installation
📌 Important Timeline Factors to Consider
Your timeline may vary slightly based on:
Weather and site access (especially in rural NB)
Local permit turnaround times
Degree of customization requested
Winter construction limitations
🕵️ We provide a project timeline during your first free consultation—updated weekly throughout the process.
💬 Ready to Start Planning? 📅
We’ve helped hundreds of New Brunswick homeowners navigate the prefab process—from raw land to finished keys-in-hand homes.
Book a free consultation or call us to explore your timeline.
🧑💼 Request a Free Consultation
📲 Call Us Directly: (705) 345-9337
✅ Ontario-Built | ⚡ Energy-Efficient | 🏡 Fully Customizable | 🚚 Fast Delivery
✅ Why Choose a My Own Cottage Prefab Home?
Our team has worked with countless individuals and businesses across New Brunswick!
⏱️💰 Save Time and Budget Wisely
Our streamlined prefab construction process reduces delays, eliminates common building headaches, and helps you stay within budget.
All without compromising on quality or style.
🌿💡 Live Sustainably with Superior Energy Efficiency
Each of our homes features high-performance insulation, airtight construction, and energy-efficient windows.
Our eco-friendly designs are built to significantly lower your monthly utility bills and carbon footprint.
🏡🛋️ Designed for Living: Flexible, Open-Concept Layouts
Whether you love hosting friends or value quiet evenings, our customizable floor plans are built to adapt to your lifestyle.
We’re offering both functionality and comfort.
🔧🧱 Low Maintenance, High Durability
We use weather-resistant, Canadian-approved materials that are engineered for longevity.
So you can enjoy your home without constant repairs or maintenance worries.
🎨🎯 Endless Customization Options—Your Home, Your Way
Choose from professionally designed models, personalize layouts and finishes.
Alternatively, collaborate with our team to build a completely custom prefab home from the ground up.
🤝📍 Collaborative Design with Local Expertise
Our experienced design consultants and licensed builders work directly with you to ensure your home reflects your goals, values, and how you truly live.
Whether rural, urban, or off-grid – we have you covered!
📊🏠 Smart Pricing for Every Stage of Life
With prefab home packages starting under $195,000 and extending beyond $750,000, we offer accessible options.
This includes for first-time buyers, growing families, retirees, and everyone in between.
With all these benefits in mind, isn’t it time for you to start enjoying a real home life in New Brunswick?
We make it quick, easy and painless for you!
In New Brunswick, owning a stylish, energy-efficient, and affordable prefab home is no longer just a dream—it’s a practical and attainable reality.
All backed by expert builders who understand your lifestyle and local conditions.
We proudly serve all regions of New Brunswick and surrounding areas—whether you’re in Moncton, Fredericton, Saint John, or a remote rural property.
Let’s turn your vision into a home that’s built to last. 🏡
The My Own Cottage Way 🤝
Beautiful Homes with Prefab
From design preferences to budget considerations, we're here to ensure your new home is everything you've imagined and more.
Prefab Homes in New Brunswick
The demand for prefab homes in New Brunswick is rising as homebuyers seek high-quality, energy-efficient homes that offer both affordability and convenience.
In fact, prefabricated homes provide an excellent solution to the housing crisis in Atlantic Canada, offering a faster, cost-effective alternative to traditional site-built homes.
With innovative construction methods and custom design options, prefab homes are redefining what it means to own a dream home in New Brunswick.
☀️💧 Our Climate-Ready Prefab Homes in New Brunswick
New Brunswick’s winters are beautiful—but harsh.
With average January lows dipping below -15°C and heavy snowfall across much of the province, building a prefab home that’s ready for these conditions is critical.
This includes for long-term comfort, safety, and efficiency.
At My Own Cottage, we don’t just build prefab homes—we build climate-resilient homes engineered specifically for Atlantic Canada’s seasonal extremes.
🧱 Superior Insulation for Cold-Climate Performance
Thermal insulation isn’t just a feature—it’s a necessity.
Poor insulation leads to high heating costs, moisture problems, and discomfort.
That’s why we use:
R-24 to R-40 insulated wall panels with continuous rigid foam
Triple-pane Low-E windows to reduce heat transfer
Insulated crawl spaces or basements to prevent frozen plumbing
Roof assemblies rated for R-50+, using high-performance blown-in cellulose or spray foam
✅ Expert Tip: Ask your builder for the effective R-value, which accounts for real-world performance—not just lab values.
❄️ Snow Load Considerations: Built to Withstand Atlantic Winters
In New Brunswick, roof snow loads can exceed 60 pounds per square foot (psf) in some regions.
Prefab structures must be engineered and stamped by a professional to meet these loads—especially in areas like Edmundston, Campbellton, and the Acadian Peninsula.
What we do at My Own Cottage:
Use engineered truss systems rated for your site-specific load
Include drip-edge and ventilation designs to reduce ice damming
Partner with local structural engineers to ensure NBCC compliance
📍 Zoning & Code Compliance: Navigating Local Rules
Each municipality in New Brunswick enforces specific zoning bylaws, permitting requirements, and land-use rules.
These influence where and how you can place your prefab home.
We help you with:
Verifying minimum lot sizes, setback requirements, and height limits
Understanding rural vs. urban restrictions (e.g., septic approvals, private wells)
Managing submission of drawings and energy models to local building inspectors
🌬️ Optional Cold-Weather Features You Should Consider
Want to maximize comfort and durability?
We recommend adding:
Heat Recovery Ventilation (HRV) systems for fresh air without energy loss
Storm doors and vestibules for improved thermal buffering
Steel or metal roofing to shed snow and ice easily
Smart thermostats integrated with solar or propane backups
🧰 Local Expertise Makes the Difference
Our team at My Own Cottage includes licensed builders, architectural designers, and energy advisors with years of direct experience in New Brunswick’s building environment.
We’ve successfully delivered prefab homes in:
Fredericton
Moncton
Saint John
Sackville
Bathurst and more…
🏅 Our homes consistently exceed National Building Code of Canada (NBC) and New Brunswick provincial requirements. In fact, we’re ensuring peace of mind and long-term value.
✅ Why It Pays to Build Smart in NB
| Climate Factor | Our Solution |
|---|---|
| Heavy Snowfall | Engineered trusses, steep roof pitches |
| Extreme Cold | High R-value insulation, triple-pane windows |
| Variable Zoning | Local permitting support, NBCC compliance |
| Energy Costs | Efficient HVAC, airtight envelope, HRV systems |
Ready to Build a Winter-Ready Prefab Home in New Brunswick?
Contact My Own Cottage today to get a free climate assessment and site review. Whether you’re planning a year-round residence or a seasonal retreat, our prefab homes are designed for the real conditions of New Brunswick.
🧑💼 Request a Free Consultation
📲 Call Us Directly: (705) 345-9337
✅ Ontario-Built | ⚡ Energy-Efficient | 🏡 Fully Customizable | 🚚 Fast Delivery
Solutions for Your Dream Home
Whether you’re looking for a tiny house, a custom modular home, or an efficient home tailored to your needs.
Our prefab homes offer a streamlined building process that ensures peace of mind while adhering to strict building codes.
Experience the My Own Cottage Difference.
Looking for a custom-built prefab home in New Brunswick?
My Own Cottage delivers high-quality, energy-efficient homes tailored to your lifestyle.
With our innovative construction process, you get a modern prefab home designed for comfort and built to last.
What Are Prefab Homes?
Prefab homes, short for prefabricated homes, are those that are manufactured off-site in advance.
This is usually accomplished in standardized sections that can be easily shipped and assembled on-site.
They offer a modern, streamlined process that contrasts with traditional construction methods.
This approach to homebuilding has gained traction due to its efficiency, cost-effectiveness, and reduced environmental impact.
Overall, prefabrication is proving a highly attractive option for many homebuyers in New Brunswick.
As a reference, one of the key considerations for those seeking affordable and efficient living solutions is exploring our small prefab homes New Brunswick with prices.
They fit a wide variety of unique budgets, tastes and requirements.
The Core Appeal of Prefab Homes Today
The core appeal of prefab homes lies in their simplicity and speed.
Since the major components are created in a factory setting, it reduces on-site construction time significantly.
Additionally, this method often results in less waste and a smaller carbon footprint, aligning with growing environmental consciousness among consumers.
These aspects make prefab homes not only a practical choice but also a responsible one.
📜 Your Permit Checklist for Building a Prefab Home
📋 A Step-by-Step Guide to Local Permits, Zoning, and Approvals
Building a prefab home in New Brunswick is a smart and efficient path to homeownership.
However, it’s essential to understand the local regulations that govern land use, permits, and zoning.
This section will walk you through each step of the process to ensure you’re fully compliant, confident, and well-prepared.
As experienced builders in New Brunswick, My Own Cottage offers expert insight into regional building requirements.
All so you can move forward without costly delays or confusion.
🛠️ Step 1: Understand Local Zoning Requirements
Before purchasing land or finalizing a design, check the zoning regulations in your municipality or rural district.
Key factors include:
Permitted use (residential, mixed-use, seasonal)
Minimum lot size and road frontage
Setback distances from property lines
Maximum building height and lot coverage
🔎 Tip: Use your local municipality’s zoning map or call the local planning office for site-specific details.
🏗️ Step 2: Apply for a Building Permit
To begin construction, you must obtain a valid building permit from your local authority.
Requirements may vary by region but generally include:
Engineered building plans (stamped if required)
Site plan showing building location and setbacks
Proof of land ownership or authorization from landowner
Details about foundation, structure, insulation, and energy compliance (NBC standards)
💧 Step 3: Coordinate Septic, Water, and Utility Approvals
In rural areas, you may need separate approvals for:
Septic system design (requires Department of Health approval)
Well drilling or municipal water connection
Power hookup via NB Power or local providers
⚠️ Note: Missing approvals can delay your project by weeks—get them started early.
📝 Step 4: Submit Plans for Review and Wait for Approval
Once you’ve submitted your application, expect a 2–4 week review period (depending on the municipality).
During this time:
Inspectors may contact you for clarification
Revisions may be requested to meet code compliance
You may receive conditions of approval
✅ We assist our clients throughout this stage to ensure a smooth and timely approval process.
🏡 Step 5: Final Inspections & Occupancy Permit
Once your prefab home is delivered and installed:
A local building inspector will conduct site inspections (foundation, framing, insulation, final walkthrough)
You’ll be issued an Occupancy Permit, allowing you to legally move in
📌 Why This Matters
Failing to meet permit or zoning requirements can result in fines, delays, or even removal orders.
Our expert team helps you avoid these risks.
We’re making sure your prefab home is fully compliant with the New Brunswick Building Code (NBC) and all applicable municipal regulations.
💬 Need Help Navigating Local Regulations?
Our team at My Own Cottage has guided dozens of New Brunswick homeowners through the permit and zoning process.
Book a free consultation, and let us help you get started the right way.
🧑💼 Book a Free Consultation
📲 Call Us Directly: (705) 345-9337
✅ Ontario-Built | ⚡ Energy-Efficient | 🏡 Fully Customizable | 🚚 Fast Delivery
Stress-Free Home Building with My Own Cottage.
Skip the hassle of site-built homes and enjoy a streamlined construction process with My Own Cottage.
We manage everything—from home plans to final assembly—ensuring a seamless experience with no cost-overruns.
Unique Customization Options
Another facet of prefab homes that appeals to consumers is customization.
Despite being prefabricated, these homes can be designed to meet the specific needs and tastes of homebuyers.
From choosing the layout to selecting finishes, homebuyers have a wide range of options to personalize their space.
At My Own Cottage, we take this a step further by ensuring that a new home isn’t just any house.
Rather, it truly belongs to the client and is built as a realization of their visionary homeownership goals.
As a reference, below is a table outlining some basic customization options available with our prefab homes in New Brunswick.
| Customization Option | Description | Price Range |
|---|---|---|
| Exterior Finishes | Choose from various siding materials, colors, and styles. | $5,000 - $15,000 |
| Floor Plans | Options for different layouts including number of bedrooms and bathrooms. | $0 - $10,000 |
| Interior Design | Select paint colors, flooring types, and fixtures. | $3,000 - $20,000 |
| Energy Efficiency Upgrades | Enhancements like better insulation, energy-efficient windows, and HVAC systems. | $2,000 - $15,000 |
| Landscaping | Design and install gardens, pathways, and outdoor living spaces. | $1,000 - $10,000 |
| Smart Home Features | Integration of smart technology for lighting, security, and climate control. | $1,500 - $7,500 |
| Decks and Patios | Add outdoor spaces for relaxation and entertainment. | $2,000 - $15,000 |
The Advantages of Prefab Homes
Choosing a prefab home in New Brunswick comes with numerous advantages.
First and foremost is the cost.
Prefab homes often come with a lower price tag compared to traditional homes, which is a significant draw for budget-conscious buyers.
This cost efficiency is achieved through streamlined production processes and bulk purchasing of materials.
All of which lowers expenses and ultimately, the price for homebuyers.
🛠️ Faster & Better Construction Methodology
Another advantage is the speed of construction.
Traditional home building can be a lengthy process, often taking months or even years to complete.
In contrast, prefab homes can be built and moved into in a matter of weeks.
This swift turnaround is not only convenient but also reduces the stress and uncertainty often associated with homebuilding.
🚧 Prefabricated Vs. Traditional Site-Built Homes
When considering your next home in New Brunswick, it’s important to compare all your options—including prefabricated vs. traditional site-built homes.
This data-driven guide gives you an honest, side-by-side look at the key differences in cost, construction timelines, energy efficiency, and long-term value.
All so that you can make an informed decision that aligns with your lifestyle and budget.
As experienced prefab home builders in New Brunswick, My Own Cottage is committed to transparency, quality, and helping you choose what’s best for you.
🕒 Construction Timeline Comparison
| Build Type | Avg. Timeline (NB) | Key Factors |
|---|---|---|
| Prefab Home | 10–16 weeks (lot-ready) | Off-site construction + fast on-site install |
| Traditional Home | 8–12 months | Weather delays, subcontractor schedules |
💰 Cost Comparison
| Build Type | Avg. Cost per Sq. Ft (NB) | Notes |
|---|---|---|
| Prefab Home | $180–$250 | Includes design, materials, and faster labor |
| Traditional Home | $250–$325 | May vary with weather delays and custom changes |
🌱 Energy Efficiency & Long-Term Savings
| Feature | Prefab Homes | Traditional Homes |
|---|---|---|
| Air Tightness | Factory-sealed, high precision | Varies based on on-site craftsmanship |
| Insulation Performance | R-24+ wall, R-50+ roof standard | Often requires upgrades |
| Heating/Cooling Efficiency | Ductless heat pumps, HRV-ready | Depends on builder and region |
🧰 Maintenance & Durability
Prefab homes are built using precision-engineered materials, reducing the chance of structural errors, gaps, or warping due to moisture exposure during construction. They also require:
Less on-site exposure to weather
Fewer unexpected repairs in the first 5 years
Factory-quality finishes that stand up to NB winters
🔨 Our prefab homes are backed by a comprehensive structural warranty and built using weather-resistant Canadian materials. 🍁
Which One’s Right for You?
| If You Want… | Best Fit |
|---|---|
| Faster move-in time | ✅ Prefab Home |
| Lower upfront cost | ✅ Prefab Home |
| More customization on-site | 🔷 Traditional |
| Minimal construction hassle | ✅ Prefab Home |
| Energy efficiency and lower utility bills | ✅ Prefab Home |
📌 The My Own Cottage Advantage
Local expertise in NB zoning and climate
Transparent pricing—no hidden costs
Fast delivery and expert installation
Energy-efficient and NBCC-compliant homes
💬 Still Weighing Your Options?
Book a free consultation with our prefab specialists!
We’ll help you compare options based on your land, timeline, and goals.
🧑💼 Request a Free Consultation
📲 Call Us Directly: (705) 345-9337
✅ Ontario-Built | ⚡ Energy-Efficient | 🏡 Fully Customizable | 🚚 Fast Delivery
Durability & Quality by Design
Durability and quality by design are notable benefits.
At My Own Cottage, our prefab homes are built to withstand various environmental conditions, which is particularly important in New Brunswick where weather can be unpredictable.
These homes are also designed with precision.
They make use of high-quality materials to ensure longevity and resilience, providing peace of mind for homeowners.
Additionally, the rising popularity of our small prefab homes New Brunswick collection also reflects a growing desire for sustainable and affordable living.
Fast, Affordable, and Customizable Prefab Homes.
At My Own Cottage, we specialize in efficient home building, ensuring faster completion times and cost-effective solutions.
Our custom modular homes provide flexible floor plans, sustainable designs, and exceptional service—all at the best price.
Different Types of Prefab Homes
Prefab homes are not a one-size-fits-all solution.
Rather, they come in various types to suit different needs and preferences.
Understanding the options available can help you make an informed decision.
One that best fits your lifestyle and requirements.
Modular Homes
One popular type is the modular home.
These homes are built in sections or modules that are transported to the site and assembled.
Modular homes offer flexibility, allowing you to customize your living space while maintaining the benefits of prefab construction.
Panelized Homes
Panelized homes are another option.
In this type, the walls, floors, and roof panels are constructed in a factory and then assembled on-site.
This method offers a balance between prefab efficiency and traditional construction adaptability, allowing more freedom in design.
Kit Homes
Finally, there are kit homes, which are essentially DIY homes that come with pre-cut materials and instructions for assembly.
Kit homes offer the ultimate flexibility and personalization, letting you build your home at your own pace and according to your preferred design specifications.
🌱 Eco-Friendly Prefab Homes in NB
Sustainability isn’t a trend—it’s a responsibility.
At My Own Cottage, we believe your home should reflect your values, starting with how it’s built.
That’s why every prefab home we construct in New Brunswick is designed with environmentally responsible practices from the ground up.
From locally sourced materials to energy-efficient systems and reduced site waste.
We’re proud to deliver prefab homes that are durable, efficient, and environmentally sound—without sacrificing comfort or affordability.
♻️ 1. Eco-Conscious Materials: Locally Sourced & Low-Impact
We carefully select building materials that are:
Locally sourced when possible, reducing emissions from transport
Sustainably harvested, including FSC-certified wood
Low-VOC paints and finishes, improving indoor air quality
Recyclable and reusable packaging, minimizing site waste
🧱 Our factory-controlled environment ensures precise cuts and efficient use of materials, leading to up to 70% less construction waste than traditional site builds.
💨 2. Airtight, High-Performance Building Envelopes
Energy efficiency starts with the structure.
Each prefab home includes:
R-24 to R-40 wall insulation with continuous thermal barriers
R-50+ attic insulation for extreme NB winter performance
Triple-pane, Low-E windows for thermal protection and passive solar gain
Airtight construction that exceeds NBCC standards for energy efficiency
🔍 All homes are tested for air leakage and meet or exceed EnerGuide and Step Code targets.
🌬️ 3. Smart HVAC & Ventilation Systems
Comfort doesn’t need to come at an energy cost.
Our homes feature:
HRV (Heat Recovery Ventilation) systems to improve air quality and reduce heating demand
Ductless mini-split heat pumps for efficient heating and cooling
Optional solar-ready packages for clients exploring off-grid or net-zero living
🌞 Many of our clients in NB have reported 30–50% reductions in heating costs compared to older site-built homes.
🚛 4. Reduced On-Site Impact
Our prefab building process drastically minimizes disruption to your land and the environment:
Fewer heavy deliveries and machine hours
Shorter construction timelines (as little as 2–3 days on-site)
No extended site exposure, reducing erosion and environmental wear
🏞️ Our process is ideal for environmentally sensitive or rural NB locations where minimal site impact is essential.
🌎 5. Lower Carbon Footprint—From Start to Finish
Compared to traditional construction, prefab homes can:
Use up to 67% less energy during construction
Produce up to 50% less carbon emissions
Be designed to meet Net Zero Ready benchmarks with minimal upgrades
✅ Our Sustainability Commitments
| Practice | Our Approach |
|---|---|
| Material Sourcing | FSC-certified, Canadian supply chains |
| Energy Efficiency | Beyond-code insulation + HRVs |
| Waste Reduction | Factory optimization + recycling |
| Carbon Awareness | Minimized transport and on-site use |
| Design for Longevity | Durable, low-maintenance materials |
🔍 Why It Matters to New Brunswick Homeowners
New Brunswick’s climate and beautiful natural landscapes demand thoughtful building.
By choosing a prefab home from My Own Cottage, you’re investing in a lower footprint, higher performance, and greater long-term value.
📩 Learn More or Request Our Sustainability White Paper
Want to dive deeper into our building methods, energy modeling, or material specs?
Build Your Dream Prefab Home with My Own Cottage.
With years of experience, My Own Cottage is a trusted modular home builder in New Brunswick.
From mini homes to luxury prefab houses, we offer custom design options that meet your specific needs while following strict building codes.
Why Prefab Homes in New Brunswick?
Prefab homes have become the perfect choice for homeowners who want exceptional service, modern designs, and superior construction.
Unlike traditional homes that are built entirely on-site, prefab modular homes are constructed in a controlled manufacturing process.
This reduces exposure to weather delays and ensuring high-quality craftsmanship.
In fact, today many families consider our prefab homes Atlantic Canada collection as a sustainable and cost-effective solution for their housing needs.
Energy Efficiency
Another key benefit is energy efficiency.
Many modern prefab homes are designed to minimize energy costs, incorporating sustainable materials and smart building techniques that enhance insulation.
This is especially important in East Coast climates like New Brunswick, Nova Scotia, and Greater Moncton, where heating costs can be high.
A Better Construction Process
Additionally, the construction process of prefab homes is significantly faster than traditional home building.
A prefab home can be completed in a matter of months, whereas site-built homes often take a year or longer.
With reduced cost-overruns and a predictable price range, prefab homes offer a best price alternative without compromising quality.
💵 Better Financing & Mortgage Options
Building a prefab home is a smart and efficient path to homeownership in New Brunswick.
However, financing it requires a bit of planning.
At My Own Cottage, we’re here to guide you through your financing journey.
In fact, we’re helping you explore mortgage options, lender requirements, and available programs.
All designed to fit your budget and timeline.
This section breaks down everything you need to know—so you can move forward with confidence.
🏦 Can You Get a Mortgage for a Prefab Home in NB?
Yes.
Many major lenders and credit unions in New Brunswick offer mortgages for modular and factory-built homes—provided they meet certain criteria.
To qualify, your prefab home must:
Be permanently affixed to a concrete foundation (slab, crawlspace, or basement)
Comply with the National Building Code of Canada (NBC)
Be built off-site by a CMHC- or CSA-approved manufacturer
Be placed on owned land or land with a long-term lease
👨💼 We work directly with prefab-friendly lenders to ensure your project meets eligibility requirements from day one.
💰 Common Financing Options
1. Construction Mortgage (Progress-Draw Loan)
Used when the home is being built in stages.
Funds are released at milestones:
Deposit on design/factory order
Delivery to site
Foundation completion
Final walkthrough and occupancy
📋 You’ll typically need a 10%–20% down payment, depending on the lender and credit profile.
2. Completion Mortgage
Ideal for turnkey prefab homes.
The full loan is issued after the home is installed and inspected.
Fewer inspections and paperwork
Requires upfront capital or bridge financing to cover construction
💡 Suitable if you’re purchasing a fully prebuilt model on a ready lot.
3. Personal Loan or HELOC (for Landowners)
If you already own your land, a secured line of credit or personal construction loan can fund the build without a traditional mortgage structure.
🔐 Some clients use this approach for faster approval and flexible payments.
🎯 Recommended Lenders in New Brunswick
We’ve successfully worked with:
RBC – Modular Home Mortgage Program
UNI Financial Cooperative – Strong local prefab understanding
TD & Scotiabank – Construction financing for new builds
Atlantic Credit Unions – Ideal for rural and off-grid prefab homes
💬 Ask us for a referral—many of our clients receive better rates through our lender partners.
🏘️ First-Time Buyer or Budget Conscious? Explore These Programs:
First-Time Home Buyer Incentive (Government of Canada)
New Brunswick Home Ownership Program (Income-Based Grants)
CMHC Green Home Rebate for energy-efficient prefab models
📌 What You’ll Need for Financing Approval
| Required Document | Why It Matters |
|---|---|
| Proof of land ownership or purchase | Ensures site control and legal build rights |
| Final home plans + specs | Verifies home value and lender eligibility |
| Builder contract and payment schedule | Required for progress-draw loans |
| Credit check + income verification | Standard mortgage approval process |
💬 Need Help Navigating Financing?
At My Own Cottage, we walk with you from pre-approval to project close.
We’re not just builders—we’re partners in helping you secure the right financial path to prefab homeownership in New Brunswick.
🧑💼 Request a Free Consultation
📲 Call Us Directly: (705) 345-9337
✅ Ontario-Built | ⚡ Energy-Efficient | 🏡 Fully Customizable | 🚚 Fast Delivery
Energy-Efficient and Sustainable Living Starts Here.
Our modern prefab homes are engineered for energy efficiency, reducing your energy costs while promoting sustainable living.
Experience the benefits of green home construction with My Own Cottage and enjoy peace of mind in your new home.
Best Locations for Prefab Homes in New Brunswick
If you’re considering a prefab home, location is key.
Some of the best areas for prefab modular homes in New Brunswick include:
- Greater Moncton – A booming urban center with growing demand for modular houses.
- Saint John – A perfect location for efficient homes with easy access to amenities.
- Nova Scotia & Atlantic Canada – A great region for those looking to build in a coastal setting.
Each of these areas offers a mix of urban and rural opportunities, making them ideal for new home buyers.
Below, we’ll answer some commonly asked questions about prefab homes in New Brunswick.
How much does a modular home cost in New Brunswick?
A modular home in New Brunswick typically costs between $120 and $200 per square foot, depending on customization, materials, and finishes.
A standard 1,200 sq. ft. home may range from $150,000 to $240,000, excluding land and utility hookups.
What is the average cost of a prefab home in Canada?
Across Canada, the average prefab home costs $150,000 to $400,000, depending on location, size, and finishes.
Maritime provinces like New Brunswick tend to have lower construction and delivery costs compared to Ontario or BC.
Can you get a mortgage on a prefab home in Canada?
Yes, most Canadian lenders offer mortgages for prefab homes — especially if the home is placed on a permanent foundation.
You’ll likely need a construction mortgage or draw mortgage, with funds released in stages as the home is installed.
Small prefab homes New Brunswick with prices
Small prefab homes in New Brunswick start at around $100,000 to $160,000 for models under 1,000 sq. ft.
Builders like My Own Cottage, Maple Leaf Homes and Kent Homes offer compact designs ideal for first-time buyers, downsizers, or cottage-style living.
Modern prefab homes New Brunswick with prices
Modern prefab homes in New Brunswick can cost between $180,000 and $350,000.
These typically feature open-concept layouts, large windows, and energy-efficient materials.
Look for options from My Own Cottage, Kent or Supreme Homes with customizable floor plans.
Modular homes for sale New Brunswick
You can find modular homes for sale through:
Local dealers like Maple Leaf Homes and Kent Homes
Real estate listings on MLS or Kijiji
Turnkey packages offered by builders including land, home, and setup
Prices vary from $150,000 to $400,000+, depending on land, home size, and upgrades.
Prefab homes Atlantic Canada
Prefab homes are gaining popularity across Atlantic Canada for their quick build times and energy efficiency.
Builders like My Own Cottage, Supreme Homes and Prestige Homes serve New Brunswick, Nova Scotia, PEI, and Newfoundland.
Prefab Homes Moncton
Moncton is a hub for prefab home shopping in New Brunswick.
Several local dealers and showrooms, including My Own Cottage, Supreme Homes and Maple Leaf Homes, offer walk-through model homes and on-site consultations.
Finding the Perfect Prefab Home in New Brunswick
Your Journey
To start your journey of building a prefab home in New Brunswick, we invite you to get in touch with us at My Own Cottage.
You can reach out to us through our website’s Contact Us page, via email, or by direct phone call.
Our expert team is ready to listen to your vision, discuss your requirements, and guide you through the stress-free process of prefab cottage construction.
We look forward to partnering with you to create a sustainable, highly valuable, and personalized space that reflects your individual style and meets your specific needs.
Contact Us
We usually respond within 24 hours!
- Comprehensive Warranty
- Best Price Guarantee
- Exceptional Service
People Also Ask...
How much is a Prefab House in New Brunswick?
The cost of a prefab house in New Brunswick can vary significantly based on size, design, and customization options.
On average, prices can range from $100,000 to over $300,000, ensuring there’s a prefabricated home to fit almost any budget while offering the benefits of quicker construction times and modern designs tailored to individual needs.
Additionally, prefab homes are often built locally in New Brunswick, providing a boost to the local economy and supporting sustainable building practices.
Overall, prefab homes offer an attractive alternative to traditional stick-built homes, offering both cost savings and customization options for those looking to build their dream home in New Brunswick.
How much does a modular home cost in Canada?
The cost of a modular home in Canada varies widely, generally ranging from CAD $150,000 to over CAD $300,000.
This price fluctuation largely depends on factors such as size, design complexity, and the level of customization required.
However, the overall cost of a modular home is typically lower than that of a traditionally built home due to its efficient and streamlined construction process.
Additionally, with prefab homes becoming increasingly popular in Canada, local builders like My Own Cottage offer competitive pricing and high-quality craftsmanship for their modular home options.
Who builds tiny mini homes in New Brunswick?
In New Brunswick, My Own Cottage stands out as a premier builder specializing in the construction of tiny mini homes.
Adapting the principles of sustainability and modern design, they offer a diverse range of customizable tiny homes that cater to the evolving needs of homeowners seeking minimalistic and eco-friendly living solutions.
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