Construction loan service
Progress payments, owner-builder rules, and renovation pathways.
Research hub
Construction loans — contracts, draws, and holding-cost buffers
Construction files fail when contracts, valuations, and draw schedules do not match lender policy — not when the builder is slow alone.
Pillar routes on this site
These URLs are hand-picked for topical overlap — they are the strongest internal links for both readers and crawlers understanding your intent.
Repayment calculator
Model repayments once build completes and loan reverts to standard.
Buying & building articles
Auction, insurance, and purchase-timing guides.
Owner-occupied home loans
Post-build refinance or split structure if needed.
Enquire — construction pre-assessment
Topic: construction loan — include builder quote and timeline.
Building or renovating
Construction loan progress checklist
Typical draw stages, contract checks, and holding-cost buffers — confirm details with your builder and lender.
Latest from Insights
Automated roll-up of published posts matching Buying · Basics categories (newest first).
On 1 April 2026 illion's credit reporting body merged into Experian. What changed in the CBCX scoring model, why published band tables now disagree, and what a home-loan assessor actually sees on the new file.
LVR compares your loan to the property’s value. Learn the formula, deposit scenarios, the 80% LMI threshold, valuation vs purchase price, refinance LVR, and stress-test price falls with the free what-if calculator.
An offset account in Australia means a transaction account linked to your home loan so the balance reduces the loan amount interest is charged on. Here is how it works day to day, a labelled worked example, fees to watch, and when a basic loan without offset is the better fit.
A mortgage broker in Australia helps you compare lenders, prepare a credit application, and manage the loan through to settlement — under a best interests duty. Here is what that means in practice.
Most mainstream lenders prefer a clean Experian or Equifax file in the good-to-excellent bands — but there is no single magic number. Here is how Australian score ranges map to home-loan options, what to fix before you apply, and when to speak to a broker.
- Home loan portability in Australia — substitution of security when you move (without refinancing)
Basics
Selling and buying at once? Loan portability (substitution of security) lets you keep your rate, offset, and loan number — if timing, policy, and the new property line up. Here is how it works and when refinance is smarter.
The 'ordinarily resident' test decides whether a permanent resident is treated as a local or a foreign person when buying property in Australia. Here's the 200-day rule, who it affects, and what to check before you sign.
- Winter home buying in Australia (2026): why prepared borrowers sometimes win when the crowd thins
Buying
Fewer open homes and softer auction crowds in winter do not mean easier lending — but they can mean less competition for buyers who already have finance lined up, documents ready, and a clear ceiling.
- Home loan settlement day in Australia: the complete buyer’s guide (timeline, PEXA, funds & keys)
Buying
Settlement day is when your lender releases funds, title transfers, and you get keys — but the hard work happens weeks earlier. Here is the full Australian timeline from exchange to PEXA, what your bank must do, and how to avoid the delays that break contracts.
Every home-loan application triggers a credit check — but not all checks are equal. Here is when lenders pull your file, what they see, how enquiries differ from scores, and how to prepare so the check helps you instead of hurting you.
- Joint home loans in Australia: co-borrowers, liability, and what to decide before you both sign
Basics
Most Australian couples apply jointly — but joint and several liability, credit-file coupling, and title vs loan naming are rarely explained upfront. Here is how co-borrower home loans actually work, when one name is smarter, and what changes if the relationship does.
Behind every Australian loan decision sits a number most borrowers never see until it costs them. Here is what your credit score actually measures, why two bureaus can put you in different bands, and how to read — and quietly improve — your own file before you apply.
About this page
Common questions
When do construction loan repayments start?
Often interest is charged on drawn amounts during the build, with full P&I after completion — product rules vary. Confirm on your loan contract.
Can I use an owner-builder pathway?
Some lenders allow owner-builder with extra conditions; others do not. Experience, licences and contingency buffers are commonly reviewed.
What if the build goes over budget?
Cost overruns can stall draws. Lenders may require evidence of additional funds. Plan contingency before you sign.
Is this personal advice?
No. This hub is general information for Australian readers. Speak with a broker before you commit to a construction facility.