Construction & Building Loans
Building your dream home or renovating? Construction loans work differently to standard mortgages. We guide you through progress payments, builder requirements, and the entire build finance process.
How Construction Loans Work
Construction finance is released in stages as your build progresses, not as a lump sum. This requires careful planning and the right loan structure.
Progress Draw Structure
Funds released in stages as your build progresses, so you only pay interest on what's drawn.
Builder Assessment
We help ensure your builder meets lender requirements for a smooth approval process.
End-to-End Support
From land purchase to final handover, we manage the finance at every stage.
Typical Progress Draw Stages
Your loan is drawn down in stages as construction milestones are completed.
Deposit/Slab
Initial deposit to builder, slab and foundation work.
Frame
Wall frames, roof trusses, and structural elements.
Lock-up
External walls, windows, doors, and roof covering.
Fit-out
Internal fixtures, plumbing, electrical, plastering.
Completion
Final touches, landscaping, and handover.
Projects We Can Help With
We help borrowers with all types of construction projects across Melbourne and Australia.
Let's Talk About Your Build
Tell us about your construction project and we'll guide you through the finance process.