Construction & Renovation Loans

Whether you’re building your dream home from the ground up or renovating to add value, construction finance works differently to a standard home loan. We guide you through the process and structure your loan properly from day one.

How Construction Loans Work?

Unlike traditional home loans, construction loans are funded in stages — known as progress payments — as your build moves through key milestones. You’ll typically only pay interest on the amount drawn down at each stage. We explain the process clearly so you know exactly what to expect.

Building a New Home

If you’re purchasing land and building, we help you:

Structure land and construction finance correctly
Understand progress payments
Work with fixed-price building contracts
Secure pre-approval before signing

Planning ahead can prevent delays and funding issues later.

Renovating Your Existing Home

From cosmetic upgrades to major structural renovations, we assess whether to:

Top up your existing loan
Refinance to access equity
Structure a renovation loan
Consider construction-style progress payments

The right structure depends on the scale of your project and your long-term plans.

Using Equity to Fund Your Project

If your property has increased in value, you may be able to access equity to help fund your build or renovation. We’ll review your position and create a strategy that maintains financial flexibility.

Avoiding Common Pitfalls

Construction lending involves valuations, council approvals, building contracts and staged payments. We help you understand lender requirements upfront so your project runs smoothly.

Why Work With Us?

We simplify what can otherwise feel overwhelming. With access to a wide panel of lenders and experience in construction lending, we ensure your finance supports your timeline — not delays it.

Ready to Get Started?

Let’s put the right funding structure in place before the first slab is poured.

Your next step starts here.

Make it happen

Purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions.

Find a broker

Purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions.

Explore other programs

Commercial Loans

Flexible funding solutions to support your business property and growth plans.

Development Loans

Structured finance to help you deliver successful construction and development projects.

SMSF Loans

Specialist lending solutions to help your SMSF invest in property with confidence.