Construction loans work differently to standard home loans. We guide you through the progress payment structure, find the right lender, and make sure your build goes smoothly from slab to keys.
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Unlike a standard home loan, construction loans are drawn down in stages as your build progresses — slab, frame, lock up, fixing, and completion. You only pay interest on what's been drawn down, not the full amount.
Not all lenders work with all builders. We know which lenders suit your build type — whether you're going with a volume builder, a custom builder, or building yourself.
If you're buying land and building, we can structure a single loan that covers both — simplifying the process and often reducing your costs compared to two separate loans.
Most lenders require a fixed price building contract. We'll tell you exactly what documentation you need before you start — so there are no delays once your application is submitted.
Once construction is complete, your loan automatically converts to a standard home loan. We make sure the end product is structured right — not just the construction phase.
Owner builder loans have stricter requirements but they do exist. If you're a licenced owner builder, we know which lenders will work with you and what you need to qualify.
Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.
We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.
Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.
We stay in touch after the deal is done to make sure everything keeps working hard for you.
No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.
0403 172 610 info@kickfinance.com.au Book a call