New Home Construction
Building a home on vacant land or an existing block with a registered builder.
Finance Your Build From Planning to Completion
Experienced in construction finance. No obligation.
Construction finance is more complex than a standard home loan, and the requirements vary depending on your project. We help you understand your options, prepare a sound application and coordinate the finance side of your build from start to finish.
A Different Kind of Lending
A construction loan is released in stages as the build progresses. You pay interest only on the drawn amount, not the full loan. Once complete, it converts to a standard loan. Not all lenders offer this finance; we help identify suitable lenders and manage the application process.
Consult a finance expert
Whether you are at the planning stage or already in motion, a free consultation is the best place to start.
Construction and Development Scenarios We Support
Major Renovations
Major renovations needing construction funding instead of a standard loan.
Knockdown and Rebuild
Demolish the existing dwelling and build a new one, with funding options.
Small Residential Projects
Duplexes and small-scale projects need lender assessment.
WeFinance aids your construction project
Loan Structure Guidance
We explain how construction loan structures work and identify the right approach based on your project type, timeline and financial position.
Lender Selection
Not all lenders offer construction finance. We research suitable lenders based on your project complexity and financial profile.
Documentation Preparation
We help you understand what lenders require — fixed-price contracts, council plans, builder's insurance — and assist with preparing the application.
Budget Review
Construction costs can exceed original estimates. We help you think through contingency planning and the financial implications of your timeline.
Payment Coordination
We assist with managing the drawdown process between you, your builder and the lender to keep things moving at each stage.
Move to Finance
We plan for the conversion from construction to standard finance from the outset and manage the process when the build is complete.
When Construction Finance May Be Relevant
Is This Right for You?
General information only. Whether refinancing is suitable depends entirely on your individual financial position, objectives and the costs involved.
Building a new home on your land
Knockdown-rebuild on your property
Managing a renovation with staged funding
Developing a small residential project such as a duplex
Understand finance options before hiring a builder
Confused about drawdowns and lender needs
In planning and structuring finance correctly
Already talking to a builder? Sort your finances first.
Construction projects can stall when finance is not in place. A free consultation helps you understand your position before you commit to anything.
Support Your Build From Start to Finish
Four straightforward steps from your first question to settlement.
1
Initial Consultation
We assess your project scope, finances, and timeline to determine suitable lending and application requirements.
2
Project and Financial Review
We review your income and borrowing capacity alongside your builder, plans, contract, projected costs and timeline to identify the most suitable lending approach.
3
Lender Research & Application
We find lenders, prepare your application, and ensure all builder documentation is ready before submission.
4
Drawdown Management
We manage progress payments during construction and help transition your loan to permanent finance after completion.
We help you finance your build correctly
Construction finance is not something to piece together at the last minute. The right structure, the right lender and thorough preparation make a significant difference to how smoothly your project runs. We are available to talk through your project at no cost and with no obligation.