Build your dream home with flexible financing and expert support at every stage.
Pay only interest during construction with staged payments released as your build progresses.
Finance both land purchase and construction in one comprehensive loan with competitive rates.
Whether you're using a builder or owner-building, we'll structure the right loan for your project.
Navigate council approvals, builder contracts, and progress payments with confidence and support.
We review your plans, budget, and determine your borrowing capacity for land and construction.
Secure conditional approval based on your plans, builder contract, and cost estimates.
If buying land, we arrange settlement first. The construction loan component begins after.
Funds are released in stages as construction milestones are reached and inspected by valuers.
Final payment released upon completion. Loan converts to standard home loan with regular repayments.
Architectural plans, council approvals, and all necessary permits for construction
Fixed-price contract with a licensed builder or detailed costings for owner-builders
Typically 10-20% deposit plus ability to cover cost overruns and initial expenses
Income to service construction interest plus future full loan repayments
Construction Checklist
Funds are released at key construction stages (e.g., slab, frame, lock-up, fixing, completion). Each stage requires a bank valuation inspection before payment.
You'll need additional funds to cover overruns. That's why it's crucial to have a buffer (typically 10%) and accurate costings from the start.
Absolutely! Many first home buyers build new homes to take advantage of grants and stamp duty concessions. We'll guide you through the process.
Typical builds take 6-12 months, though timelines vary. During construction you only pay interest on drawn-down funds, not the full loan amount.
Let's discuss your construction plans and secure the right financing. Book a free consultation today.