Construction Loan
Funding released stage by stage, matched to your build
A construction loan isn't a lump sum it's progressive drawdowns tied to your builder's fixed-price contract, with interest charged only on funds you've actually drawn. We manage the lender side of that process so it keeps pace with your build.
- Progressive drawdown
- Interest-only during build
- Fixed-price contract required
Who it's for
- Buyers building a new home on a vacant block
- Homeowners undertaking a major knockdown-rebuild
- Buyers with a fixed-price contract from a licensed builder
- Anyone who wants the lender side of a build managed for them, not left to chase
How it works
The same clear process every time, shaped around this specific loan type.
- 1
Contract & plans review
We review your fixed-price building contract and plans before approaching lenders, so nothing holds up approval later.
- 2
Panel comparison for construction lending
Not every lender handles construction the same way we compare valuation requirements, drawdown fees and rate treatment.
- 3
Progressive drawdowns
Funds are released at each construction stage as your builder invoices, with a valuation check at each milestone.
- 4
Converts to a standard loan
Once the build is complete, the facility converts automatically to a standard principal & interest home loan.
What's included
Stage payments matched to your builder
Drawdowns aligned to your builder's payment schedule slab, frame, lock-up, fit-out and completion.
Interest on funds drawn only
You're not paying interest on the full loan amount from day one, only on what's actually been released.
Valuation at each stage
Lenders check progress at each drawdown, which we help coordinate so it doesn't delay your builder's invoices.
Knockdown-rebuild & vacant land
Structured for both a straightforward vacant-land build and a knockdown-rebuild on your existing block.
Lock in your builder's fixed-price contract before we submit to lenders a contract that's still subject to change is one of the most common causes of delayed construction loan approval.