Construction loans are designed specifically for those building a new home, undertaking major renovations, or developing property. Unlike a traditional home loan, construction finance is released in stages, known as progress payments, as work on the property is completed.

Whether you are building your own home, constructing an investment property, or undertaking a small development, we help you secure the right finance to support your project from start to finish. Our role is to guide you through the unique structure of construction loans, which typically begin with interest-only repayments and convert to a standard loan after completion.

We assess your project plans, builder’s contract, and financial position to determine your borrowing capacity and find a lender that supports your timeline and goals. We also help you understand the required documents, including building contracts, council-approved plans, and detailed costings.

With access to a wide panel of banks and specialist lenders, we compare options to find one that offers competitive rates and flexible features. Some lenders also offer construction-to-investment or construction-to-owner-occupier transitions, depending on your end use.

Throughout the build, we stay in contact with you and the lender to ensure each stage payment is made promptly and the project runs smoothly. We also help manage any changes in costs or scope that could impact your loan.

From planning and pre-approval through to the final drawdown, our team works closely with you to ensure your construction finance supports your vision and protects your financial wellbeing.