Build Your Dream Home or a Profitable Investment Property
We’ve settled hundreds of land and construction loans and can guide you through the process from pre-approval to handover.
A construction loan is a short-term facility that releases funds in stages as the build progresses, and you generally pay interest only on the amount drawn down.
What Is a Construction Loan?
A construction loan is a short-term loan used to fund the building of a home or investment property.
Unlike a standard mortgage (which pays a single lump sum at settlement), construction loans are paid out in progressive draws based on completed stages of the build.
Interest is typically charged only on the funds you’ve used during construction.
Why Work With Us
Proven experience
Hundreds of land & construction loans settled.
Builder relationships
Flexible mortgage options designed for your lifestyle and goals.
Transparent advice
Clear costs, realistic budgets, and no surprises.
End-to-end support
From pre-approval and contract review to draw inspections and settlement.
How to Apply (Step by Step)
01
Prepare your financials
Gather payslips, recent tax returns, bank statements and any other documents lenders request.
02
Secure a fixed-price building contract
Lock in a fixed-price contract to avoid cost overruns.
03
Choose a reputable, licensed builder
Lenders usually require licensed, insured builders with good references and a proven track record.
04
Shop lenders & get pre-approval
Not all lenders offer construction loans. We compare options and help you get a pre-approval so you know how much you can borrow before signing a deposit.
05
Get Pre-Approved
Have a clearer picture of how much you can borrow and can enhance your credibility with builders and contractors. This should be done before you place any deposit with a builder.
06
Understand the Loan Disbursement Process
Familiarize yourself with how funds will be disbursed throughout the construction process. Typically, payments are made at different stages of completion, known as progressive draws.
Documents You’ll Usually Need
Payslips / proof of income
Recent tax returns (if self-employed)
Bank statements and asset details
Copy of the fixed-price building contract and plans
Builder’s licence and insurance details
Property valuation and site information
Handy tips for a smooth build-finance experience
01
Include a contingency
(5–10%) in your budget for variations and unexpected costs.
04
Communicate early with your lender
If changes to scope or cost occur, small changes can often be managed if flagged early.
02
Maintain a strong credit profile
Pay down debts and avoid new credit before applying.
05
Consider fixed-rate options
If you want protection against rising interest rates during the build.
03
Get pre-approval first
It strengthens your position with builders and secures your borrowing limit.
Why Our Customers Love Us
Expert guidance to buy, refinance, or invest with confidence.
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62 Marsh Parade, Casula NSW 2170
Shop G22, Narellan Town Centre
326 Camden Valley Way
Narellan NSW 2567
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