Construction finance
Finance that keeps pace with your build
Progress payments, land-and-build packages, knockdown-rebuilds and major renovations - construction lending is specialised, and it's what we do.
How we help
Construction loans work differently from standard mortgages: funds are drawn in stages as your builder completes each phase, and you typically pay interest only on what's been drawn. Get the setup wrong and you face delays at every progress payment.
We arrange construction finance for new builds, knockdown-rebuilds, house-and-land packages and structural renovations - coordinating lender requirements, fixed-price contracts, plans and progress inspections so your builder gets paid on time and your build keeps moving.
Progress payments without drama
We set up the drawdown schedule against your building contract so each stage payment is approved quickly.
Interest-only while you build
Pay interest only on funds drawn during construction, keeping costs down while you're paying rent elsewhere.
Land + build in one package
We can structure land settlement and construction funding together, including for house-and-land packages.
Owner-builder & unusual builds
Kit homes, owner-builder projects and non-standard construction have a narrower lender panel - we know exactly who to approach.
The process
From first call to settled, step by step
Assess & pre-approve
We confirm your borrowing capacity for the total project - land, build contract and a contingency buffer.
Contract & valuation
Lender values the completed project 'as if complete' from your plans and fixed-price building contract.
Approval & first drawdown
Loan approves, land settles (if applicable) and the deposit stage releases to your builder.
Staged payments to completion
Slab, frame, lock-up, fit-out, completion - we coordinate each inspection and payment through to handover.
Construction finance
Get your build financed properly
Talk to a broker who arranges construction loans every week.
- Takes about 60 seconds
- No credit check, no obligation
- A licensed broker reviews every enquiry personally
Common questions
Construction Loans FAQs
Your builder invoices at set stages - typically deposit, slab, frame, lock-up, fit-out and completion. The lender inspects (or accepts certification) and releases that stage's funds directly to the builder. You pay interest only on the running drawn balance.
Get your build financed properly
Talk to a broker who arranges construction loans every week.