Construction finance works differently to a normal home loan, and the gaps catch people out. We map your build, your progress payments and the lenders that move fast at each stage, so your builder gets paid on time and you keep your buffer.
New build, rebuild or a big reno. The finance behind it should keep the project moving, not hold it up.
Buying land and building in one go. We structure the land settlement and the construction loan together so the timing lines up and you are not paying for two things at once.
Love the street, not the house. We work through the demolition, the valuation on completion and the funding stages so the rebuild runs to plan.
Extending, lifting or reworking what you have. We sort the finance against the end value so a big project does not stall halfway through.
No paperwork, no credit check, no pressure. Just a clear read on how to fund your build and what to watch for. By the end you will know four things:
No credit check. No obligation. Just a real conversation.
How progress payments work, from slab to lock-up to handover.
Which lenders move fastest at each draw stage.
The traps between slab and handover: cost overruns, valuation shortfalls, builder solvency.
Land plus build vs construction-only, keeping your buffer intact.
You stay in the loop, in plain English, the whole way.
You tell me about the block, the build and your builder. By the end you know if the numbers stack up and what deposit you will need.
I work out what you can borrow and how to stage it, factoring in the land, the build contract and your end valuation.
I bring back lenders that handle construction well, with their draw process and timing compared, then prepare and lodge the application.
I manage each progress payment as your build hits its stages, chase the valuations and keep your builder paid through to handover.
Most build problems are not about the rate. They are about funding stages, valuations and buffers nobody explained up front.
Lenders release money in stages: slab, frame, lock-up, fit-out and completion. Knowing the schedule up front stops nasty cash-flow surprises mid-build.
Construction loans are assessed on what the finished home will be worth, not just today. A weak valuation can leave a funding gap, so we get it right before you commit.
Lenders are fussy about fixed-price contracts and builder credentials. We make sure your contract is bankable before it costs you time.
Builds run over. We build a contingency into the structure so a variation or a delay does not derail the whole project.
Twenty minutes, no cost, no credit check. Tell us about your block and your build, and we will come back with a clear read on your options. Fill in the form, or reach us directly.
No pressure. Just a clear picture of what is possible for you.