ConstructionLoans

Lending Solutions

Building your dream home?

Finance from the ground up.

Whether you’re constructing your dream home, investing in a new build, or undertaking a complex project, we provide finance solutions designed to support every stage of the construction journey.

About construction loans

Construction lending is designed to fund your project in stages, ensuring finance is available as key milestones are reached throughout the build. Whether you’re constructing a new home, undertaking a knockdown rebuild, or developing multiple dwellings, having the right funding structure in place can make all the difference.

A professional smiling up from her laptop while colleagues talk behind her.

A self-employed professional working from a laptop in a café.

New homes under construction, their timber frames standing against a blue sky.

A man holding a model house while completing paperwork.

Loan details

Clear, straightforward details to guide your decision.

Full docAlt doc

Full doc

Maximum loan amount: Up to$1,750,000

Maximum LVR: Up to80%land + build

Loan term: Up to30 years

Minimum loan amount: $100,000

The loan

Security type: Residential construction
Loan purpose: Land + build, construction only

Verification required

Income type: Self-employed: 2 years tax return, 2 years financials and 2 years NOA.
Alternate option, ABN > 2 years, > 1 year GST registered and credit score > 700: 1 year tax returns and financials with accountant letter or NOA.

Repayments

Repayment type: IO during construction, P&I post-completion
Progress payments: Yes

Please note

Fixed-price building contract required.

Alt doc

Maximum LVR: Up to80%

The loan

Security type: Residential construction
Loan purpose: Construction only

Verification required

Income type: Self-employed income declaration form plus accountant letter, BAS or business bank statements

Fees

Risk fee: 1.00%

Benchmark figures are indicative only and are based on a range of comparable lending scenarios. Individual benchmark metrics are assessed independently and may not be available concurrently in the same lending scenario. Variations in assessment criteria and lender policy may influence how these benchmarks apply in individual circumstances.

Client stories

“Helped me secure all 5 of my mortgages and has made what can be a very overwhelming process feel seamless and well-managed… I always feel supported, informed, and confident in the decisions I’m making.”

Kirstin HFinSecure Brisbane SouthResidential | 5 properties

“From start to finish, she was incredibly knowledgeable, professional, and always happy to answer our questions… We truly appreciated her dedication and would highly recommend her to anyone looking for a trustworthy and reliable mortgage broker.”

Jessica SFinSecure ParramattaResidential | New Home Purchase

“From our very first meeting, they demonstrated total professionalism, extensive industry knowledge, and prompt responsiveness that kept us at ease… They made what could have been a highly stressful process completely seamless.”

Julie TFinSecure ParramattaResidential | End-to-End Support