Construction Loans
Construction finance for new builds, major renovations and house-and-land projects, including progress-payment planning.
Construction lending is released in stages rather than as one lump sum. We help align the land, building contract, valuation, contribution funds and progress-payment schedule before work begins.
Who this may suit
- Clients buying land and building a new home
- Owners undertaking a substantial renovation or extension
- First-home buyers considering a new-build project
- Borrowers comparing fixed-price building contracts
How we can assist
- Land and construction loan structuring
- Build-cost, deposit and contingency planning
- Valuation and progress-payment coordination
- Reviewing interest during construction and the completed-loan structure
What we assess
- Fixed-price building contract and approved plans
- Land value, total project cost and available contribution
- Builder credentials and lender acceptance
- Contingencies, variations and expected completion timing
Documents commonly required
- Signed building contract, plans and specifications
- Council approvals and builder insurance
- Land contract or current title information
- Income evidence and funds-to-complete statements
Start with the facts that shape lender policy
We normally begin with your objective, timing, income type, available contribution, current debts and the property or project. That is usually enough to identify the main policy questions before collecting detailed documents.
The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not personal financial, tax, legal or credit advice. Please obtain appropriate professional advice before acting.
Request a preliminary assessment
Submit a short, non-sensitive enquiry so we can identify the main policy questions before detailed documents are requested.
