Service
Construction loans run on a different rhythm to a standard mortgage. Land settlement, fixed-price build contracts, progress claims, and council inspections all need to line up. We pick lenders whose progress-claim process suits your builder, so each stage claim can be paid when it falls due.
We line up lender policy, your builder's requirements, and the progress payment schedule so your build stays funded at every stage.
Include any contract, settlement or finance date in your enquiry. We say what is realistic and what we need first.
Start an assessmentStep 1
We structure finance around your land settlement date and the timing of your fixed-price build contract so neither side stalls.
Step 2
We choose lenders whose progress-claim process matches your builder, and that handle owner-builder, custom build, or HIA contracts cleanly.
Step 3
We help you manage each stage claim (slab, frame, lock-up, fixing, completion) so the claim, the inspection and the payment happen in the right order.
Step 4
At practical completion we manage the conversion from interest-only construction to your long-term loan structure, with the rate and features that suit you.
Your approved facility is released in stages aligned to construction milestones (typically slab, frame, lock-up, fixing, and completion), each triggered by an invoice and an inspection.
Where policy allows, we plan a contingency buffer to absorb variations and reduce build-stage stress. Some lenders accept this inside the loan amount, others require it as savings.
Yes, but the lender pool is much smaller. We can point you to the right specialist lenders and tell you upfront what evidence and licensing you will need.
QLD requires QBCC home warranty insurance, which covers non-completion in many cases. We help you understand the cover and the practical steps before drawdowns stop.
Tell us about your situation so a broker can review your enquiry and discuss the next step with you.