Build Your Dream Home

Flexible construction loans with progress payments, expert guidance, and seamless conversion to permanent home loans.

Building your dream home requires specialized financing that adapts to the construction process. Our construction loan specialists understand the unique challenges of building projects and provide tailored solutions for both owner-builders and those working with registered builders.

Get Your Construction Loans Quote

Fill out the form below and our construction loans specialists will contact you with a personalized quote and advice.

Key Features

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Progress payment scheduling

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Land and construction packages

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Owner-builder solutions

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Registered builder programs

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Interest-only during construction

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Flexible draw-down options

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Building inspection coordination

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Convert to permanent loan

Benefits

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Access to competitive interest rates

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Expert guidance throughout the process

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Pay interest only during construction

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Flexible payment structure

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Specialized building expertise

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Progress monitoring support

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Seamless conversion to permanent loan

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Support throughout the build process

Our Construction Loan Process

Our streamlined process makes getting your construction loans straightforward and stress-free.

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Free Consultation

We discuss your needs, goals, and financial situation

30 minutes

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Project Assessment

We review your building plans, contract, and timeline

2-3 days

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Loan Structuring

We structure the loan with appropriate progress payments

1-2 days

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Application Lodgement

We prepare and submit your application to the chosen lender

1-3 days

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Approval Process

We manage the approval process and liaise with the lender

5-14 days

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Construction Monitoring

We coordinate progress inspections and payments

Throughout build

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Conversion to Permanent

We convert to a standard home loan upon completion

1-2 weeks

Construction Loan Eligibility

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Detailed building plans and specifications

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Fixed-price building contract (for non-owner builders)

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Registered builder with appropriate insurance

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Council approvals and permits

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Adequate deposit (typically 20-25%)

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Proof of income and financial capacity

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Detailed project timeline

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Comprehensive building insurance

Not sure if you meet the requirements? Get in touch for a free assessment.

Check My Eligibility

Frequently Asked Questions

How do construction loan repayments work?

During construction, you typically pay interest only on the amount drawn down. As each building stage is completed and funds are released, your interest payments increase. Once construction is complete, the loan converts to principal and interest.

What deposit do I need for a construction loan?

Construction loans typically require a 20-25% deposit. This covers the land cost plus initial construction stages. Some lenders may accept lower deposits with additional security or guarantor arrangements.

How are progress payments released?

Funds are released in stages as construction progresses, typically after independent building inspections confirm each stage is complete. Common stages include slab, frame, lock-up, fixing, and completion.

Have more questions? Our experts are here to help.

Ask Our Experts