Construction Loans

As experienced Geelong mortgage brokers, we understand the excitement of building your dream home or investment property. Our dedicated team of construction finance experts is here to simplify the lending process and provide tailored solutions that align with your goals.

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Simplified construction finance process

Build your home with confidence

Whether it’s a custom-designed home or an investment property, we have the expertise to assist you in building wealth through property. Let us take care of the research and find competitive finance solutions that suit your specific needs, allowing you to focus on the exciting parts, such as choosing floorplans and finishes.

Flexible financing for renovations

Need funding for ambitious renovations? Our construction loans offer cash-flow-friendly options to fund your renovation projects. With a house renovation loan, we can help you unlock the potential of your property and transform it into your dream space.

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Geelong construction finance experts

As part of Geelong Construction Finance, our team brings a wealth of experience to the table. We understand the intricacies of construction loans and have the knowledge to guide you through the process smoothly. With our broad range of expertise in every aspect of the loan process, we are dedicated to building the right solution for you.

Access tailor-made solutions for building your home
Pay as you build with progressive drawdown
Interest only payments while the build is underway

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More than 40 lenders to get you started

Frequently asked questions

Our team has helped many first home buyers through this journey. Here are some of the questions we’re often asked along the way.

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How does a construction loan differ from a traditional home loan?

Construction loans are tailored for funding new home construction or extensive renovations, differing significantly from traditional home loans. They often feature distinct disbursement and repayment structures, making it essential to understand these differences when considering financing for your project.

What documents are necessary when applying for a construction loan?

When applying for a construction loan, essential documents include detailed construction plans, a comprehensive budget, and a fixed-price building contract. Ensuring you have these documents in order is critical to streamline the loan application process.

Can I utilise a construction loan to finance home improvements or renovations?

Indeed, a construction loan can be employed to finance substantial home improvements or renovations on your existing property. This versatility allows homeowners to undertake extensive upgrades with tailored financing.

What’s the typical timeline for fund disbursement during construction?

Funds during construction are typically dispersed in stages, aligning with key project milestones. This staged disbursement ensures that builders have access to the necessary funds at each phase of construction, maintaining project momentum.

Is it possible to convert a construction loan into a traditional mortgage?

After the construction phase concludes, you often have the option to convert your construction loan into a traditional mortgage for long-term financing. This transition allows you to seamlessly transition from the construction phase to the permanent financing needed for your newly constructed or renovated home.

The right finance for every stage of your build

Ready to build your dream home or investment property with a lending approach that’s tailored to every stage of construction? Whether you’re planning a custom build or a major renovation, our team will help you match the right loan structure to your budget, schedule and goals so you can focus on the creative parts with confidence.

Let us walk you through the process—from borrowing capacity and drawdown structures to repayments and loan conversion when the build is complete—to make your project smoother and more manageable. Book a no-obligation consultation today and discover how close you are to turning your build plans into brick-and-mortar reality.