Build smarter with construction loans
We structure it so progress payments, approvals, and timelines don't turn into surprises. Your cashflow stays protected at every stage.
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Finance for your build
Unlock the right finance whether you're an owner-occupier, investor, or planning a knockdown-rebuild. Our approach ensures you avoid costly mistakes and delays.
Five steps to your construction loan
We move through this methodically. Each step builds on the last, and nothing gets missed.
Review your plan
We examine your build plan, contract, and budget thoroughly.
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Confirm your power
We establish your borrowing capacity and deposit requirements clearly.
Select your lenders
We match you with lenders suited to your builder type.
Manage the process
We handle valuation and coordinate progress drawdowns smoothly.
Support through completion
We support you through construction and smoothly convert your loan to a standard home loan.
Who we help
We act quickly and keep you updated at every stage.
Owner occupiers
Building a new home with staged funding and clear timelines.
Knockdown rebuilds
Replacing existing structures with new construction on your land.
Investor builders
Building new houses or dual occupancy for investment returns.
Staged funding needs
Borrowers requiring progress payments aligned with construction milestones.
What we examine before lending
We dig into the details that matter. Your income, debts, deposit, and the property itself all shape what's possible.
Builder type
We assess your builder's experience and contract structure carefully.
Cash buffer
We ensure you have contingency funds for variations and delays.
Land status
We review title timing and any encumbrances affecting your build.
Payment schedule
We align progress payments with construction stages and lender appetite.
Mistakes we help you sidestep
Most people stumble before they start.
Underestimating costs
Build variations and unforeseen expenses can derail your budget quickly. We help you plan for contingencies upfront.
Slow lenders
Choosing a lender that delays progress payments creates cash strain. We match you with responsive lenders who move fast.
Not planning
Not planning for rental or living costs during the build can strain your budget, as you may still need to cover rent and everyday expenses while construction is underway.
Not understanding
Valuations can change based on timing and market conditions, which may impact your loan amount. Understanding this helps avoid delays and unexpected shortfalls.
Gather your building contract and council approvals
Have your building contract, specifications, and council approvals ready. We'll guide you through what else we need.
Get your documents ready
We collect all the required details upfront to ensure a smooth and efficient start to your construction loan process.
Building contract
Your contract and detailed specifications form the foundation of our assessment.
Council approvals
We need copies of all relevant council approvals and permits for your project.
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Payment schedule
Your progress payment schedule shows us how funds will be drawn during construction.
Land contract
We review your land contract or title details to confirm ownership, conditions, and lender requirements
FAQs
Answers to what you're wondering about right now.
Yes, you typically pay interest on funds drawn during construction. Some lenders offer interest-only options during the build phase, which can ease your cashflow. We'll find the structure that works best for your situation.
Progress payments are released as your build reaches agreed milestones. Your lender verifies completion of each stage before releasing funds. This protects both you and the lender while keeping your project moving.
Build delays happen. We structure your loan with enough flexibility to handle reasonable delays. Your contingency buffer and lender's appetite for extensions matter here.
Yes, many lenders allow you to use equity from existing property as your deposit. We'll assess your options and find lenders comfortable with this approach for your build.
Some lenders allow you to live on site in temporary accommodation during construction. Others have restrictions. We'll clarify what's possible with your chosen lender.
Still have questions?
Get in touch with our construction lending specialists.
Keep your build moving forward
Want a construction loan plan that keeps your build moving and your cashflow stable?
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