Construction & Development Loans
From building your dream home to larger property developments, we bring specialist lender knowledge and smart structuring together to help you secure the right funding, manage progress payments and keep your project moving.
A loan that moves with your build
Construction finance comes with more moving parts than a standard home loan. From lender valuations and building contracts to staged funding, getting the structure right from the outset can make all the difference.
We bring specialist lender knowledge, strategic planning and a dedicated team together to help you secure the right finance, anticipate potential challenges and keep your project moving from the first plans through to completion.
From the first plans to the finishing touches
Whether you're building, rebuilding or developing, we bring the right lender, structure and expertise to every stage of your project.
Small developments
From duplexes to townhouses and small subdivisions, we navigate specialist lending requirements and structure funding around your project's costs, feasibility and timeline.
New home builds
Building your dream home? We coordinate your land and construction finance, align funding with your building contract and help you get everything in place before work begins.
Progress payments, handled
Keep your build moving without the constant back and forth. We coordinate lender requirements, progress claims and funding milestones throughout construction.
Using your land or equity
Your existing property or land could help fund your project. We explore how your available equity can contribute towards your deposit and overall funding requirements.
Knockdown rebuilds
Rebuild on the land you already own. We assess your existing equity, current lending and construction costs to help you finance the transition from your old home to your new one.
Renovations and extensions
Transform your existing property without starting from scratch. We explore suitable funding options for major renovations, extensions and structural improvements.
Better to know
Your building contract and the lender's valuation aren't always the same. If the completed property's valuation falls short of expectations, you may need to contribute additional funds. We assess these requirements early, helping you understand your funding position before committing to the build.
Frequently asked questions
How do progress payments work?
Construction funding is generally released in stages as your build progresses, rather than as one lump sum. Your lender assesses each progress claim before releasing funds, and you'll typically pay interest on the amount drawn during construction, depending on your loan. We coordinate the requirements to help keep payments on track.
Can I use land I already own as my deposit?
Potentially. Equity in land you already own may contribute towards your deposit or construction funding requirements, reducing the additional cash you need upfront. We assess your equity position and identify lenders that suit your circumstances.
What if my build goes over budget?
Variations and unexpected costs can create funding shortfalls, and lenders won't necessarily increase your loan to cover them. We review your contract, discuss potential cost overruns and help you plan an appropriate contingency before construction begins.
Ready to build your Blueprint?
Building your dream home or taking on your next development? Start with a clearer direction and the expertise to turn your vision into reality.