Building your dream home

Choosing to build your own home is an exciting step. It’s a significant financial commitment and comes with plenty of responsibilities – but the rewards are worth it. You’ll have the freedom to create a space that reflects your style, from the floor plan to the finishing touches, without needing anyone’s approval. Most importantly, you’ll have a home that’s truly yours.

Construction loans are designed to support you through the building process. They work differently from standard home loans, with funds released in stages as your build progresses. This helps you manage costs and keep your project on track.

If you’re planning to build and aren’t sure where to start, we’re here to make things simpler. We’ll work with you to find a loan option that suits your situation and guide you through each step, so the process feels clear and manageable.

Ready to turn your plans into reality? Get in touch today and start building the home you’ve always wanted.

Frequently Asked Questions

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A construction loan provides funds in stages as your home is built. Instead of receiving the full amount upfront, payments are made at key milestones—such as slab down, frame up, lock-up, and completion. This structure helps you manage costs and ensures funds are available when needed.
Unlike a standard home loan, which is paid in full at settlement, a construction loan is drawn down progressively. You’ll usually only pay interest on the amount that’s been released, which can help reduce costs during the build.

You’ll typically need:

  • Building plans and specifications
  • A fixed-price building contract
  • Council-approved permits
  • Proof of income and identification
Repayments usually begin as soon as funds are drawn down. During construction, you’ll often pay interest-only on the amount released, with full repayments starting once the build is complete.

Contact Us

Our team will help you search, choose and settle your loan. Speak with us at a time that suits you!

Phone
0422 217 217

Email
sam@theloanary.com.au

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