Construction

We review your total project cost — land price, builder quote, council fees, landscaping, and a contingency buffer. This determines your overall borrowing requirement and helps select the right lender for construction lending.

Not all lenders handle construction the same way. We compare policies around progress draws, interest-only periods, fixed-price vs. cost-plus contracts, and builder requirements to find the best fit for your build.

We prepare your application with the building contract, plans, and specifications. Once approved, the lender issues a letter of offer and you can sign your building contract with confidence.

As your build progresses through each stage (slab, frame, lock-up, fit-out, completion), we coordinate each progress draw with the lender. Funds are released to your builder at each milestone after an inspection.

After the final progress draw, the lender converts your construction loan to a standard home loan (principal and interest or interest only). We review the final loan terms and ensure your rate remains competitive.

Congratulations on your new build! We schedule annual rate reviews so your loan stays competitive, and we're here for any future lending needs — from renovations to investment properties.