Construction Loans & Knock-Down Rebuild Finance
Build Your Dream Home Without The Finance Nightmare.
We guide you through progress payments, builder contracts, and council approvals, ensuring your funds flow smoothly from slab down to handover.
Building Is Complex. Your Loan Shouldn't Be.
Construction loans work differently than standard mortgages. Instead of getting all the money at once, the bank releases funds in stages. We manage these “drawdowns” for you, acting as the middleman between your builder and the bank so you don’t have to stress about unpaid invoices or work stopping on site.
Progress Payments Managed
We handle the administrative headache of sending invoices to the bank for each stage of the build, ensuring your builder gets paid on time.
Cash Flow Control
During construction, you typically only pay interest on the money that has been used (drawn down), keeping your repayments lower while you pay rent or live elsewhere.
Fixed Price Security
We help you structure your finance around a fixed-price building contract, protecting you from unexpected cost blowouts during the project.
From Knock-Down To Keys In Hand
Whether you are knocking down an old house to rebuild or planning a major renovation, the finance structure is critical. A delay in payment to your builder can stop work on site. We act as the project manager for your finance, ensuring the money is always there when your builder needs it, keeping your project on schedule.
Expert Construction Finance For Melbourne Renovators & Builders
We handle the builder contracts and bank drawdowns, ensuring your project stays funded and on track from start to finish.
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Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Construction Loan Timeline
Building a home involves many moving parts. We synchronize your finance with your build stages, ensuring a seamless flow of funds from the foundation to the final coat of paint.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
With a regular loan, you get all the money at settlement. With a construction loan, the bank releases the money in "stages" (Progress Payments) directly to the builder as work is completed (e.g., Base, Frame, Lock-up). This protects you and the bank from paying for work that hasn't been done.
No. During the construction phase, you only pay interest on the amount that has been paid out to the builder so far. For example, if you have a $500k loan but only $100k has been used for the slab, you only pay interest on $100k. This helps your cash flow while you are building.
In addition to standard income documents, you will need a copy of the Fixed Price Building Contract signed by you and the builder, along with the council-approved plans and the builder’s insurance policy. We help you collate all of this.
Yes! In fact, the FHOG is often specifically designed for people buying or building a new home. In Victoria, if you are eligible, the grant is paid directly to the lender at the time of the first progress payment, reducing the amount you need to borrow.
Changes to the design are called "Variations." Banks generally dislike variations after the loan is approved because they change the contract price. If you need to make changes, you may have to pay for them from your own savings rather than adding them to the loan.
Owner-builder loans are much harder to get because banks view them as higher risk. Most lenders require a licensed builder to be in charge of a fixed-price contract. However, there are a few specialist lenders who consider owner-builders. We can discuss if this is an option for you.