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Construction Loans
Finance your build, stage by stage
What Is a Construction Loan?
A construction loan is a specialist lending product designed for people building a new home, undertaking a major renovation, or developing a property. Rather than releasing the full loan amount upfront, funds are drawn down in stages as construction milestones are reached — such as slab, frame, lock-up, fixing, and completion. You only pay interest on the funds drawn, which keeps costs down during the build.
Why Choose a Construction Loan?
The progressive drawdown structure means you're not paying interest on money you haven't yet used — a significant saving during lengthy construction periods. Construction loans give you control over the build process and allow your broker to work closely with your builder to ensure funds are released efficiently. Once construction is complete, the loan typically converts to a standard variable or fixed rate product.
How to Get Started
Construction loans require a fixed-price building contract, council-approved plans, and a qualified builder. Our brokers have extensive experience coordinating construction finance and will guide you through each stage of the application and drawdown process. Contact us early in your planning phase to ensure your finance is structured correctly from the start.
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