Why construction lending requires a different approach
Building a home isn’t like buying an existing one.
Funds aren’t released all at once. They’re drawn down in stages as construction progresses.
If paperwork is missing, valuations are delayed, or progress inspections aren’t coordinated properly, payments can stall. And when payments stall, so can the build.
We coordinate between you, your builder, the valuer, and the lender to help ensure progress payments are processed smoothly and on time.
Think of us as your finance partner from slab to sign-off.
Structured finance for every stage of the build
Turnkey finance
With most turnkey contracts, you typically pay a deposit upfront and the balance on completion. We ensure the lending is aligned with your contract terms and settlement timeline.
Progress payment structures
For land + build or custom builds, funds are released in stages, typically: Foundation → Frame → Roof → Enclosed → Interior → Completion.
We help structure the loan correctly from day one and manage each drawdown as construction progresses.
Cost overrun planning
Build costs can shift. We work with you to structure an appropriate contingency buffer so unexpected variations don’t derail the project.
The build finance roadmap
Here’s how the process typically works:
- Land settlement — Secure your section or confirm your land ownership.
- Fixed price building contract — Lock in your agreed build cost and timeline.
- Valuation — The lender confirms the expected end value of the completed home.
- Construction and progress inspections — Funds are released in stages as each milestone is completed.
- Code Compliance Certificate (CCC) — Final sign-off from council. The loan typically converts to a standard home loan structure at this point.
Ready to break ground?
Build finance doesn’t need to be stressful. It just needs to be managed properly.
Book a free build finance strategy session with a Senior Broker.
