⭐️⭐️⭐️⭐️⭐️
Construction loan broker
Clear, reliable finance for your build
-
Construction finance from over 90 lenders
-
Support from application to settlement
-
Borrow $200K to $50M
Specialists in commercial and residential construction lending Australia-wide
Explore construction lending options for your project
Loans starting from
$200K to $50M
Building or developing property involves important finance decisions. Whether you’re constructing a home, duplex, townhouse development, or commercial property, the right loan structure can make a significant difference to your cash flow, project management, and long-term outcome.
We work closely with borrowers to explore practical, lender-appropriate construction finance solutions that align with your budget, timeline, and goals. With access to over 90 bank and non-bank lenders, we help you move forward with greater clarity.
Experienced guidance
Supporting Australians with residential and commercial construction lending solutions nationwide.
Wide lender access
Access to major banks, specialist construction lenders, and private lenders.
Practical structuring
We help structure applications designed to support approval processes and manage risk.
Construction lending solutions that support your build
We manage the construction finance process on your behalf — from lender selection and application to drawdowns and final settlement. Our role is to help you explore suitable loan structures and work to ensure funds are released smoothly throughout your build.
We assist with:
-
Owner-builder and registered builder projects
-
House and land packages
-
Major renovations and extensions
-
Dual occupancy and townhouse developments
-
Commercial and mixed-use builds
While you focus on your design, approvals, and construction, we handle the lending process.
Land Purchase Loans
Purchasing vacant land is often an important first step in a construction project. However, land loans are assessed differently from standard home loans, and lender policies vary depending on location, zoning, and intended use. Not all lenders will support high loan-to-value ratios on vacant blocks, particularly if construction is not planned within a set timeframe.
We assist borrowers in exploring land purchase finance options that align with their future building plans. This includes reviewing zoning certificates, development approvals, minimum lot size requirements, and council restrictions that may impact lender acceptance. For residential buyers, this helps ensure your land purchase doesn't limit your future borrowing capacity. For developers and investors, it can reduce approval risk and delays.
Our brokers work with lenders that may support both short term land holding and long term development strategies. Where suitable, we also explore land loans that can be converted into construction facilities once building commences. This can help avoid unnecessary refinancing costs and reassessment later.
We also assist with valuation reviews, settlement timing, and contract conditions to help ensure your purchase meets lender requirements. Whether you are buying in a new estate, regional area, or metropolitan subdivision, we work to structure land finance that supports your full project journey from purchase to completion.
New Home Construction Loans
A new home construction loan is designed to fund residential building projects through staged progress payments. Unlike standard mortgages, these facilities release funds gradually as construction milestones are completed. This protects both the lender and the borrower, while helping manage cash flow during the build.
We specialise in structuring construction loans that suit owner occupiers, investors, and developers. This includes reviewing your building contract, costings, specifications, and builder credentials before submitting your application. Many delays occur because lenders identify documentation issues late in the process. Our preparation approach aims to reduce this risk.
During construction, funds are typically released at slab, frame, lock up, fit out, and completion stages. Each stage requires invoices and sometimes independent inspections. We coordinate these payments to help ensure your builder is paid on time and your project continues without disruption.
We also help borrowers explore ways to manage interest costs during construction by considering appropriate repayment arrangements and offset strategies where available. For borrowers building their primary residence, we focus on ensuring post construction repayments remain sustainable. For investors, we consider long term rental yield and tax efficiency.
From approval to handover, we remain involved throughout the build, working to ensure your finance continues to support your project at every stage.
House and Land Package Finance
House and land packages combine the purchase of land with a fixed price building contract, offering a pathway into property ownership or investment. While these packages can be straightforward, financing them correctly requires careful coordination between developers, builders, valuers, and lenders.
We assist borrowers in structuring house and land finance that accounts for separate land settlement and construction phases. Most lenders require the land to settle first, followed by staged construction funding. This process must be managed carefully to avoid approval lapses or funding gaps.
Our brokers review package contracts, inclusions lists, specifications, and site costs to help ensure valuations may accurately reflect the completed property value. Underestimating costs is a common cause of funding shortfalls. We work to help prevent this through detailed assessment at application stage.
We also assist first home buyers, investors, and SMSF borrowers purchasing house and land packages. Each group faces different policy requirements and lending criteria. Our experience allows us to position your application appropriately from the start.
Where developers impose tight settlement deadlines, we work to manage approvals proactively to reduce stress and risk. Our goal is to help ensure your house and land package progresses as smoothly as possible from contract signing through to final settlement and occupancy.
Commercial Construction Loans
Commercial construction finance is designed for projects such as warehouses, office buildings, retail developments, medical centres, and mixed use facilities. These projects involve more complex lender assessments than residential builds.
We assist developers, investors, and business owners in exploring structured commercial construction facilities that align with project feasibility and long term cash flow. This includes reviewing development applications, building contracts, pre lease agreements, and financial projections before lender submission.
Most commercial lenders require detailed feasibility studies, quantity surveyor reports, and independent valuations. We coordinate these requirements to help ensure your application meets credit assessment standards. This can help reduce the risk of approval delays or unfavourable conditions.
Commercial construction loans often involve interest only periods, capitalised interest structures, and staged funding releases. We work to design facilities that support project viability while maintaining lender confidence. Where appropriate, we also explore mezzanine or private funding options to bridge equity gaps.
Throughout the project, we manage progress drawdowns, lender reporting requirements, and post completion refinancing strategies. Our objective is to support your project from land acquisition through to stabilisation and long term financing.
Renovation and Extension Finance
Large scale renovations and extensions require specialised finance solutions that account for existing property value, proposed improvements, and construction risk. Many lenders treat renovation projects similarly to new builds, requiring staged funding and progress inspections.
We assist homeowners and investors with funding for structural renovations, second storey additions, rebuilds, and major upgrades. This includes assessing whether a standard loan increase or full construction facility may be more appropriate for your project.
Our brokers review renovation plans, council approvals, building contracts, and cost breakdowns to help ensure lenders are comfortable with the scope of works. Poor documentation is a common reason for renovation loan delays. We work to prevent this through detailed preparation.
During construction, we manage staged payments and inspections to help keep your project moving. We also help structure repayments to minimise financial pressure while works are underway. For owner occupiers, this supports household stability. For investors, it helps protect cash flow.
Where renovations significantly increase property value, we assist with post completion refinancing and equity considerations. This may allow you to leverage your improved asset position for future investments or business opportunities.
OUR LENDING PARTNERS
Strong lender network
We work with over 90 lenders including major banks, specialist construction lenders, and private funders. This network allows us to help match your project to lenders that may be appropriate — not just based on advertised rates, but on policy fit and approval likelihood. We also work with over 30 non-bank lenders.
Expert brokers for construction finance
Every construction project is different. Your land position, builder, income structure, credit profile, and experience all affect lender decisions. That’s why we focus on personalised advice, not generic quotes.
We provide clear guidance, realistic timeframes, and proactive support from application to completion.
Understand capacity
Understand your potential borrowing capacity before committing to land or building contracts.
Explore options
Understand your borrowing capacity before committing to land or building contracts.
Construction loan specialists
Dedicated brokers who manage progress payments, variations, and lender requirements.
Frequently Asked Questions
A construction loan releases funds in stages as your build progresses, rather than providing the full amount upfront. Each stage is typically paid after invoices and inspections are completed, helping lenders manage risk during construction. This structure also means you generally only pay interest on the funds that have been drawn down, not the entire loan amount.
Construction loans typically release funds in five stages: slab, frame, lock-up, fit-out, and completion. At each stage, the lender reviews invoices and may arrange inspections before releasing payment. We coordinate this process between you, your builder, and the lender to help avoid delays.
You will usually need standard lending documents such as identification, income verification, and bank statements. In addition, lenders require council-approved plans, building contracts, insurance certificates, cost breakdowns, and sometimes quantity surveyor reports. We provide a tailored checklist to help ensure nothing is missed.
Construction lending policies vary significantly between lenders and change frequently. A specialist broker understands which lenders may suit different project types and borrower profiles. This can help reduce rejection risk and support approval processes.
We review your income, assets, credit history, build plans, and long-term goals before exploring lender options. We compare multiple options, explain the considerations clearly, and help you make an informed decision. Our focus is on suitability, not just price.
We are based in Sydney and assist borrowers across NSW, Victoria, Queensland, South Australia, Western Australia, and the ACT. Our digital process allows us to support clients nationwide. Location does not limit our lender access.
Yes. We work with major banks, regional lenders, specialist construction funders, and private lenders. This flexibility allows us to support both standard and complex scenarios. We prioritise reliability and transparency.
Yes. We assist developers and business owners with commercial builds, fit-outs, and mixed-use projects. This includes arranging feasibility reviews, QS reports, and structured funding facilities. Our experience can help reduce approval delays.
Cost overruns can affect loan approvals and progress payments. We help explore contingency planning where possible and liaise with lenders if variations arise. Early planning can help reduce financial stress later.