Service Pathway
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 who handle the moving parts well so your builder gets paid on time and your build stays on schedule.
We coordinate lender policy, builder requirements, and progress payment structures for smoother project execution.
Urgency CTA
We can map your likely pathway quickly once we have the key details. Do not wait until a deadline forces a bad decision.
Start My 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 lender's valuer attends on time and your builder gets paid.
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.
Start My AssessmentWhere 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.
Start My AssessmentYes, 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.
Start My AssessmentQLD 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.
Start My AssessmentTwo-minute assessment. We come back with a real lender-fit pathway, not a generic rate list.