Build Your Dream Home with Confidence
Turning Plans
into Reality
Building a home is exciting, but managing the finances can feel overwhelming. We simplify the process with tailored construction loan solutions that give you clarity and control.
From the first set of plans to the final coat of paint, we’re here to guide you through every stage of your build. With expert advice and access to multiple lenders, we make sure your financing works for you, so you can focus on creating the home you’ve always wanted.
Building Stages
Deposit
Your initial payment to secure the land and builder, setting the foundation for your project.
Base Stage
Covers the preparation and pouring of the slab or base, creating a strong starting point for your home.
Frame Stage
Funds the construction of the frame, including walls and roof structure, bringing your plans to life.
Enclosed Stage
Supports the installation of external walls, windows, and doors, making your home weatherproof.
Fixing Stage
Pays for internal fittings like cabinetry, plumbing, and electrical work to complete the interior.
Practical Completion
Final payment for finishing touches and inspections, ensuring your home is ready for handover.
Build Smarter, Not Harder
Construction loans aren’t just about funding your build, they’re about making sure your project runs smoothly and stays on budget. Reviewing your loan regularly can help you save money, avoid delays, and keep your dream home on track. Let us help you unlock your borrowing power and build with confidence.
Everything You Need To Know
How does a construction loan work?
Funds for construction loans are released in stages as your build progresses, rather than as a lump sum upfront. With some lenders, repayments during construction are interest-only, helping ease cash flow while you might be renting or saving further. This flexibility is why it’s crucial to assess your options and understand which lenders offer the best terms for your build. Choosing the right structure now can save you money and stress later.
Do I need a deposit for a construction loan?
Yes, you can utilise equity in the property if you already own the land you’re building on. Most banks will still require you to contribute 5–10% towards the project, whether that’s through a cash deposit or equity.
What documents do I need for a construction loan application?
Outside the standard documents like income verification, ID, and bank statements, lenders will generally require a signed build contract, detailed plans, and specifications for your construction project. If you’re renovating rather than building, quotes from contractors can often be provided instead of a full contract.
Can I use a builder to build my home and a separate contractor for other things?
Yes, you can. Many lenders allow you to use a primary builder for the main construction and separate contractors for additional work such as landscaping, pools, or custom finishes. However, it’s important to note that lenders will generally require all costs to be documented upfront, either in the main contract or through detailed quotes, so they can approve the full loan amount.
Ready to Start Building?
Let us help you secure the right construction loan and make your plans a reality.