Building a Home? We’re Here to Help
Also called a New build loan. Unlike a standard mortgage, a construction loan is designed to fund the different stages of your home build. You borrow in instalments as the work progresses, meaning you only pay interest on what you’ve used. Not the full amount upfront.
Here’s how
Building your dream home is an exciting journey, but it also comes with a lot of decisions and paperwork. That’s where we come in, we’re here to make the process smooth, stress-free, and easy to understand.
Why Work With Us?
We work for you, not the bank
We actively manage your loan long after settlement, continuously monitoring rates and reaching out when better deals become available.
Construction loan expertise
Construction loans are complex, with progress payments, interest-only periods, and bank valuations. We take care of the details so you don’t have to.
We handle the paperwork
We understand you are busy so we look after the details and the admin with the banks, so you can concentrate on the things that matter…Like choosing your kitchen benchtops or heading out on the boat to catch dinner.
No cost to you
Our service is free. You don’t pay us a cent, we are paid by the bank once your loan has been approved.
How We Help You When You’re Building
Getting your budget right from the start
We help you understand the true cost of building, including land purchase, construction, council fees, and contingencies.
Navigating construction loan structures
We explain how construction loans work. From interest-only periods during the build to progress payments that align with your building stages. Different banks have different approaches, and we find the one that works best for your situation.
Setting up the banking structure
We work with the banks to find the right construction loan terms and structure for your situation, so you have the financing framework in place before you start building.
Converting to your home loan
Once your build is complete, we help convert your construction loan to a standard home loan with the best ongoing rates.
