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Check with lenders to see what their specific eligibility requirements are. Generally, you'll need to meet certain income and credit score requirements, have a good credit history, and demonstrate the ability to repay the loan.

Shop around for lenders that offer granny flat loans. You can check with banks, credit unions, and other financial institutions to see what options they offer.

Once you've chosen a lender, you'll need to apply for the loan. The lender will typically ask for information such as your income, employment history, credit score, and details about the granny flat you plan to build.

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