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Construction & Development

Finance Built for
What You're Building

Whether you're building a new home or developing a residential project, construction finance has unique requirements — and we know how to navigate them.

Construction Finance

Construction & Development Finance — Done Right

Building a home or managing a development project involves a very different type of finance. Unlike a standard purchase loan, construction loans are drawn down progressively at each build stage.

We ensure the right loan structure and lender are in place from the start — so your build progresses smoothly and on budget.

Owner-builder and licensed builder loans
Progressive drawdown aligned to build stages
Small and medium residential developments
Knockdown-rebuild and duplex projects
House and land package finance
Interest-only during construction period
Construction blueprint
Our Process

How Construction Finance Works

We manage the entire process from pre-approval to final drawdown.

01
Pre-Build Assessment
We review your plans, builder contract, and land value to establish your borrowing position before you commit.
02
Lender Selection
Not all lenders offer construction loans. We identify the right options based on your project type, loan size, and timeline.
03
Pre-Approval
We secure pre-approval so you have certainty before breaking ground — and can present to your builder with confidence.
04
Progressive Drawdowns
Funds are released in stages as your build progresses — slab, frame, lockup, fit-out, and completion. We coordinate each draw.
05
Inspection Support
Lenders require valuation at each stage. We make sure the process doesn't cause delays to your build schedule.
06
Loan Conversion
At completion, your construction loan converts to a standard mortgage. We review your rate and structure at this point.
Development Finance

Planning a Multi-Lot Development?

Residential development finance has higher complexity than a standard construction loan. Lenders assess feasibility, pre-sales, LVR against end value, and developer experience.

We work with development-specific lenders and help structure your finance to meet their requirements — while protecting your equity and maximising your project outcome.

Discuss Your Project →
Development project
Build With Confidence

The right finance is as important as the right builder.

12+
Years Experience
40+
Lenders on Panel
$2B+
Settled Loans
100%
Client First
Get Started

Ready to Get Started?

Book a consultation with a construction lending specialist. We'll review your plans and set you up with the right finance from day one.

Phone
042 069 7211
Email
info@financingau.com.au
Address
374 Keilor Rd, Niddrie VIC 3042

Get a Free Consultation

A specialist broker will contact you within 24 hours.