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Construction loan broker for land and construction loans

We do all the legwork to match your needs to the right construction loan, saving you time, stress and hassle.

We provide loan solutions for buying land, building new homes, purchasing off-the-plan and house & land packages.

Securing a loan to build a home is a little different than buying an established house because often the land and building purchase will need to settle separately.

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Renovating or building your dream home?

If you're thinking of building your own home from scratch, it's a smart move to research your finance options before you enter into a building contract.

The application stage

To accommodate this, your lender will likely manage your initial loan as two separate but simultaneous applications - one for the land purchase and the second for the completed house and land cost.

The second application will eliminate the first loan and leave you with just one loan.

The construction stage

Most lenders will also require you to build on your land within two years of settlement - this does not mean you need to finish the home within the two year time frame, just that you need to start building within two years of settling on your land.

The construction of your home will generally be conducted in stages, with payments required at the end of each stage.

The repayment stage

The bank or lender only charges you on the amount of money you have drawn down, therefore your minimum repayment will vary depending on which stage your home has reached.

While most construction loans have a variable interest rate, there are some available that operate as fixed rate loans. If you do use a fixed rate construction loan, you may end up with one rate on your land loan and a second rate on your construction loan.


In the realm of financial empowerment and planning, knowledge is your greatest ally. Use these calculators to get an idea of how much you can borrow and how much your repayments might be.

FAQs about construction finance.

We’ve got your questions covered.


Can you help me understand my borrowing capacity?

Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.

How will you decide which loan is best suited to my circumstances?

With over 60 lenders, you and I are spoiled for choice. I narrow my search down through talking to you about your wants and needs. I will show you your options, listing the pros and cons of each loan and ultimately we will come to a decision together.


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