Building or Renovating? We are with you from the ground up
Build with confidence
Building your dream home or managing a construction project is exciting – but it comes with unique finance challenges. Whether you’re buying land to build, doing a knockdown-rebuild, or funding major renovations, we can help you choose the right loan and guide you through every stage of the process.
Construction and renovation finance works differently than a standard home loan – and not all banks get it. We can explain generally - how progress payments work, help you get pre-approval aligned with your builder’s contract, and potentially structure your loan for flexibility during the build, renovation, and beyond.
Based on your needs, we’ll help you:
- Choose between fixed-price or cost-plus contracts, with at least 3 options based on your needs
- Navigate land purchase vs build contracts, with regards to your loan
- Understand how drawdowns and interest-only phases work
- Align your loan approvals with build or renovation milestones
- Ensure smooth transitions to your final (end) loan
Whether it’s an extension, a major upgrade, or adding a level - we can help fund your renovation using construction finance or equity top-ups, depending on your needs and budget.
Our construction loan services
We go beyond finding a loan. We help you plan your build or renovation financially, reduce stress, and avoid costly missteps - regarding your loan.
Our support includes:
- Reviewing builder contracts & loan timing
- Helping with staged drawdown management
- Coordinating with your builder, conveyancer, and lender
- Managing the switch to a standard home loan post-construction
- Tailoring loan structures for renovation projects (large or small)
No broker fee. Just honest, local advice.
The Construction Journey: What to expect?
Buy Land or Finalise Plans
Get Pre-Approval for Construction Loan
Get Pre-Approval for Construction Loan
Let’s get the groundwork sorted
If you’re buying land, we can potentially help you secure land finance first. Already have land? We can guide you through obtaining fixed-price quotes and signed building contracts to get your loan moving.
Get Pre-Approval for Construction Loan
Get Pre-Approval for Construction Loan
Get Pre-Approval for Construction Loan
Not just any pre-approval
It’s one that matches your build. We can ensure your loan pre-approval matches the staged payment structure your builder requires - and that you’ve allowed for site costs, contingencies, and inclusions.
Submit Plans, Permits & Quotes
Get Pre-Approval for Construction Loan
Loan Approved & Construction Begins
We’ll help manage the paperwork
Lenders will generally ask for a fixed-price build contract, council-approved plans, specifications, and builder insurance. We can help to guide to obtain them to ensure that your application is processed correctly.
Loan Approved & Construction Begins
Build Complete – Switch to Final Loan
Loan Approved & Construction Begins
Your loan is formally approved, and funds are released in stages
We’ll guide you through the progress drawdowns: slab, frame, lock-up, fit-out, and final. You only pay interest on what’s been drawn.
Manage Payments & Communication
Build Complete – Switch to Final Loan
Build Complete – Switch to Final Loan
Avoid delays with clear coordination & communication
We stay in touch with your builder, bank, and you - helping ensure progress claims are paid on time and your build stays on track.
Build Complete – Switch to Final Loan
Build Complete – Switch to Final Loan
Build Complete – Switch to Final Loan
Once your home is complete, your loan switches over
We manage the transition from interest-only construction loan to your long-term mortgage - we don't part ways, ongoing support continues.
The Renovation Finance Journey
DEFINE YOUR RENOVATION & FUNDING STRATEGY
DEFINE YOUR RENOVATION & FUNDING STRATEGY
DEFINE YOUR RENOVATION & FUNDING STRATEGY
Big or small - every renovation starts with a clear plan
We can help you decide whether to use your equity, top-up your existing loan, or apply for a renovation construction loan based on your needs, goals and budget.
GET PRE-APPROVAL & DOCUMENTATION READY
DEFINE YOUR RENOVATION & FUNDING STRATEGY
DEFINE YOUR RENOVATION & FUNDING STRATEGY
Renovations require the right paperwork too, just differently
From fixed-price builder quotes to floorplans and permits, we can help package your application to match lender requirements, to potentially get you a pre-approval faster.
MANAGE PAYMENTS & SWITCH TO FINAL LOAN
DEFINE YOUR RENOVATION & FUNDING STRATEGY
MANAGE PAYMENTS & SWITCH TO FINAL LOAN
Smooth funding, clear coordination and ongoing support
We can also assist with progress payments or lump sum releases, stay in touch with your builder, and help your loan convert to a long-term option once your renovation is complete.
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No forms, no fuss - just quick access to your local lending experts whenever you need us.