Building or Renovating
What we do
Most builds don't stall on the construction. They stall on the finance.
We structure construction lending around what’s actually happening on site. Drawdowns come in stages, timing matters, and a lot can change mid-build. We stay close through every stage, coordinate the drawdowns, plan for contingency from the start, and match the project to the right lender.
Match the project to the right lender
We match each build or renovation to the lender whose appetite fits. Not every lender is active in construction and renovation lending, and those that are have different criteria. We know which lenders suit which projects before anything is submitted.
Run the application
We manage the construction application end to end. Fixed price build contract, plans and specs, valuation, builder documentation — we know what each lender needs and structure it accordingly before anything is submitted.
Coordinate the drawdowns
Getting approved is one thing. Getting the right structure is another. Fixed, floating, split — we set it up so it works for where you are now and doesn’t trap you later.
Build contingency into the structure
We don’t stop at settlement. Rate roll-offs, top-ups, refinances, the next purchase — we already know your situation and where you’ve been. Your first home is the beginning, not the destination.
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Building or Renovating
Frequently asked questions
Do I need to have found a house before talking to you
No — and we’d recommend talking to us before you start looking. Knowing exactly what you can borrow means you’re searching in the right range and can move quickly when you find something.
How much deposit do I actually need?
The standard minimum is 20%, but first home buyers can access some lenders with as little as 5–10% through low-deposit lending. \We’ll work out exactly what you’ve got and what’s possible.
What if I've been declined by my bank?
Banks have their own criteria and appetite — other lenders on our panel assess income, expenses, and risk differently. It’s worth a conversation before you give up on it.
Do I need a fixed price build contract?
Most lenders require one before they’ll approve a construction loan. It gives the lender certainty on the total cost and protects against cost blowouts mid-project. We talk through what’s needed before you approach a builder so you’re not caught out later.
How much does it cost to use a broker?
Nothing. Our service is free to you. We’re paid a commission by the lender once your loan settles.
Let’s Chat
Start with a Conversation.
A free 30-minute call. Tell us where you are and what you’re trying to do, and we’ll tell you honestly whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.