Turn your building plans into reality.
Construction finance is more complex than a standard home loan — but with the right broker, the process is straightforward. Get Home Loan specialises in construction lending, managing drawdown schedules, lender requirements, and progress inspections on your behalf.
Construction Finance Made Simple
A construction loan works differently from a standard home loan. Instead of receiving all funds at settlement, the money is drawn down in stages as your build progresses — typically at slab, frame, lock-up, fit-out, and completion. During construction, you generally only pay interest on the funds drawn down.
This complexity is exactly why you need an experienced broker. At Get Home Loan, we've managed countless construction loans and know exactly what lenders require, what builders need, and how to keep everything on track from initial approval to final inspection.
Types of Construction Loans We Handle
- House and land packages — combined or split contracts
- Knockdown and rebuild — demolish existing and build new
- Renovation finance — major structural renovations
- Owner builder loans — for licensed owner builders
- Investment construction — build an investment property
- Duplex and multi-dwelling builds
What You'll Need
Fixed-price building contract · Council-approved plans · Builder's licence and insurance · Land valuation (if applicable) · Standard income and asset documentation
The Construction Loan Process
Plans & Contract
We help you understand what documentation is required. Once your plans and fixed-price contract are ready, we can begin the loan application.
Approval
We submit your application and manage the valuation process. The lender will value the land and the completed build.
Progress Drawdowns
As your build progresses through each stage, we coordinate the drawdown requests with your lender so your builder is paid on time.
Completion
On practical completion, the loan converts to a standard mortgage. We review your options and confirm the best ongoing loan structure.
Frequently Asked Questions
Got questions? We have answers.
Ready to get started?
Get in touch and an expert broker will be in contact within one business day.
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