Construction lending has more moving parts. We move them for you.
Progress payments, managed
Slab, frame, lock-up, fit-out, completion, we coordinate the invoices, inspections and drawdowns at every stage, so your builder gets paid on time and your build keeps moving.
Land and build, one package
Buying land now and building later? We line up the land loan and construction loan together, timed so you're never caught between settlements.
Renos and tricky builds
Major renovations, knock-down rebuilds and owner-builder projects sit outside many lenders' comfort zones. We know which ones say yes, and what they need to see.
From plans on the table to keys in the door.
A free consultation
Bring your plans, your build contract, or just the idea. We map your borrowing power, your budget and what lenders will want to see.
Approval, end to end
We package your fixed-price contract, plans and valuations the way assessors want them, compare 50+ lenders, and manage the approval through to unconditional.
Drawdowns to handover
Each stage payment handled as your build progresses. At completion, the loan converts to a standard home loan, and Rate Watch™ keeps it sharp from there.
Hear from our happy homeowners.
What builders' clients ask first.
How do progress payments actually work?
Your lender releases funds in stages, typically slab, frame, lock-up, fit-out and completion. At each stage the builder invoices, the lender may inspect, and the payment is drawn down. We chase all of it, so the builder is never waiting on the bank.
What repayments do I make during the build?
During construction you generally pay interest only, and only on the amount drawn down so far, not the full approved loan. Your repayments step up as the build progresses, then convert to normal repayments at completion.
What will the lender need from my builder?
Usually a signed fixed-price building contract, council-approved plans, builder's insurance and licence details. We give you the checklist upfront and package it the way assessors want it, that's where most delays are avoided.
Can I buy the land first and build later?
Yes, that's very common. We arrange the land loan first, then add the construction loan when your plans and contract are ready. Structured properly, you avoid re-doing the whole application twice.
Let's get your build funded.
A free 30-minute call with Nathan, your budget, your borrowing power and what lenders will need. The lender pays us, not you.