Construction loans for builds and major projects.

Building or renovating involves more moving parts than a standard purchase. We help organise the lending, documentation and staged payment process.

Construction lending needs the details upfront.

Lenders usually want to see building contracts, costings, consents, valuations and contingency planning before approving construction finance.

We help you understand what is required and how progress payments work, so the loan aligns with the project timeline.

The lender assesses your income, deposit, project budget, contract and valuation before approving the facility.

Funds are usually released in stages as the build progresses and invoices or inspections are supplied.

Once the project is complete, the loan is reviewed and may move into a standard mortgage structure.

Clear answers to the questions clients most often ask before they speak with us.

Do construction loans pay all funds upfront?

Usually no. Funds are commonly released in stages as work is completed and lender conditions are met.

Do I need a fixed-price contract?

Many lenders prefer fixed-price contracts because they reduce budget uncertainty. Other structures may still be possible depending on the project.

Tell us what you are trying to achieve and we will help you compare lending options, structure the application, and move forward with clarity.