Building Your
Dream Home?

Construction loans work differently to standard home loans. Instead of receiving the full amount upfront, your loan is drawn down in stages as your build progresses, meaning you only pay interest on the funds that have been used.

We coordinate with your builder and the lender to make sure every progress payment is processed on time. And once your build is complete, we'll review your loan to make sure you're on the best deal going forward.

1. Stage 1

   Slab / Base

   Foundation and concrete slab poured.

2. Stage 2

   Frame

   Structural framing erected.

3. Stage 3

   Lock-Up

   Roof, windows and external doors installed.

4. Stage 4

   Fit-Out

   Internal linings, plumbing, electrical and cabinetry.

5. Stage 5

   Completion

   Final payment, your home is ready to move in.

1. Step 1

   Plan Your Build

   We sit down with you and your plans. Tell us your budget, your block, your builder, we'll work out exactly what you can borrow.

   Initial chat
2. Step 2

   Loan Structure & Pre-Approval

   We structure the loan to suit your build (land + construction or construction-only) and secure pre-approval from the right lender.

   3–5 business days
3. Step 3

   Sign Your Build Contract

   Once you've signed the build contract, we lodge full approval with the lender and get all the documentation ready.

   When you're ready
4. Step 4

   Stage Drawdowns During Build

   As each stage is completed and signed off, the lender releases that progress payment to your builder. We coordinate every drawdown for you.

   Through the build
5. Step 5

   Move In & Loan Converts

   When the build is finished and final inspection is done, your loan converts to a standard home loan and you start regular repayments.

   On completion