Personal lending
Finance that keeps pace with the build.
Construction loans release money in stages as the build progresses. We set the loan up properly, then manage every drawdown so the builder gets paid and the build keeps moving.
What you get
The finance managed from slab to handover.
Set up for stages.
Fixed-price contract, plans and specifications packaged the way lenders require, right the first time.
Drawdowns, chased.
Each progress payment claimed, verified and chased with the lender so the builder is never waiting on the bank.
Interest-only while you build.
Typically you pay interest only on funds drawn during construction, easing cash flow until handover. (General information only.)
Updates at every stage.
The same constant communication we bring to every loan.
Our process
Three steps, and you always know where you are.
We work the same way on every loan, so nothing gets lost and you are never left guessing. Here is what happens between the first conversation and settlement.
Tell us the goal
A quick conversation, then one link to send us your documents, with a clear list of exactly what we need.
Three options
We assess your position, check lender policy before anything is lodged so your credit file is protected, and present three clear options in plain English.
Lodged, chased, settled
We prepare the paperwork, update you at every stage, chase the lender so you do not have to, and stay contactable after settlement.
Common questions
Questions we get asked.
The lender releases funds at defined build stages, typically from slab through to completion, after each stage is verified. We manage the claims so payments land on time. (General information only.)
Usually a fixed-price building contract, council-approved plans and specifications, and sometimes builder insurances. We give you the exact checklist up front.
No. Interest is generally charged only on what has been drawn, so repayments step up as the build progresses. (General information only.)
Yes, land-then-build is common, and structuring both parts together usually beats arranging them separately.
Ready to line up the finance for your build?
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
