CONSTRUCTION FINANCE BUILT AROUND THE BUILD
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Reviewed by Christian Tucker, Credit Representative 549381, and the AGFB specialist team · October 2026 · How we check our information
A construction loan is paid out in stages as the build progresses, so the contract, the builder and your budget for variations all matter before you start.
We help structure the lending around your land position, building contract, progress-payment schedule, servicing position and overall financial objectives.
WHAT WE CAN HELP STRUCTURE
Construction projects vary considerably depending on the land, building contract, ownership structure and what you are trying to achieve. These are some of the construction scenarios we most often help finance.
New Home Construction
Finance for building a new owner-occupied home, structured around the land, contract and staged construction process.
Knockdown & Rebuild
Funding structures for replacing an existing dwelling with a new build while accounting for the existing property position and construction costs.
Major Renovations & Extensions
Construction lending for substantial renovations, extensions and structural upgrades where staged funding may be required.
House & Land
Finance strategies for land acquisition and construction where the purchase and building components need to work together.
Investment Construction
Construction finance for investment properties, including consideration of the broader investment and lending structure.
Complex & Self-Employed Scenarios
Alternative pathways where income, entity structures, existing commitments or lender policy make the application less straightforward.
CONSTRUCTION LENDING IS NOT ONE-SIZE-FITS-ALL
Two builds with the same construction price can produce very different finance outcomes. The structure depends on much more than the headline cost.
Land & Equity Position
Whether the land is owned, financed or being purchased can materially affect how the construction facility is structured.
Building Contract
The contract price, builder, inclusions and payment schedule all form part of the lender assessment.
Progress Payments
Construction loans are generally drawn progressively as stages of the build are completed rather than advanced as one lump sum.
Valuations & Project Cost
Lenders assess the proposed build, completed value and total project position — not simply the amount shown on the building contract.
Cash Contribution & Contingency
Deposits, available cash, equity and provision for costs outside the contract all need to be considered before the structure is finalised.
Servicing & Existing Debt
Your current mortgage, investment debt, personal commitments and income position can influence both borrowing capacity and lender selection.
BESPOKE STRUCTURING
Construction finance works best when the structure is considered before the application is lodged. We work through the project, lender policy and your broader financial position so the finance is built around the actual job.
01
Understand the Project
We start with the complete picture — land, plans, contract, expected costs, existing lending and what you want the finished position to look like.
02
Compare the Right Lenders
Construction policy varies significantly between lenders. We assess the available options against the actual project rather than forcing the project into a standard loan.
03
Structure the Finance
Once the pathway is established, we coordinate the lending structure and help you navigate the lender requirements through approval and the construction process.
DIRECT ACCESS TO A BROKER WHO UNDERSTANDS CONSTRUCTION FINANCE
Construction lending has more moving parts than a standard property purchase. You deal directly with a broker who understands how the land, building contract, valuations, lender policy and progress-payment process need to work together from the beginning.
Direct Broker Access
You deal directly with Christian throughout the finance process, with one point of contact who understands the structure, the project and the lender requirements.
Construction Lending Experience
We understand the additional steps involved in construction finance, including progress draws, valuations, builder documentation, contract assessment and lender-specific construction policy.
Australia-Wide Support
Based in Brisbane and assisting clients Australia-wide, we can help structure construction finance whether the project is owner-occupied, investment, renovation or a more complex scenario.
THE BUILD MAY ONLY BE ONE PART OF THE PICTURE
A construction project is often the right time to review the rest of your lending.
If you already have a mortgage, investment property or other debt, we can assess whether the existing structure is still competitive and whether refinancing, equity or a broader lending restructure should form part of the strategy. If you plan to sell your current home once the new one is built, we can also consider whether bridging finance fits the plan.
The objective is not simply to fund the build — it is to make sure the finance surrounding it works as efficiently as possible.
READY TO DISCUSS YOUR CONSTRUCTION PROJECT?
Whether you are buying land, preparing to build, already have a building contract or simply want to understand your borrowing position before taking the next step, we can help you map out the finance pathway. We'll review your enquiry and contact you to discuss your plans and the next step.