Construction Loans
Finance Built for the Way You Build
Building a home or an investment is a big undertaking. Your finance should make it easier, not harder.
Construction loans work differently to standard home loans. They’re released in stages, aligned to the progress of your build. At Haus of Loans, we help you understand how construction finance works, what to expect at each stage, and how to structure your loan for peace of mind from slab to settlement.
How Construction Loans Work
Instead of receiving the full loan amount upfront, the lender releases funds in progressive drawdowns. Typically, payments are made at:
Slab/Base Stage
Frame Stage
Lock-up Stage
Fixing Stage
Completion Stage
During construction, you usually pay interest only on the amount drawn down helping manage cash flow while the build is underway.
What You Can Finance
Knock-down and rebuilds
New custom homes or house-and-land packages
Dual occupancy or duplex developments
Refinancing to switch to a construction loan
Final stage/turnkey builds needing completion funding
What We Help You Navigate
Getting lender approval on building contracts, plans, council approvals, insurance, and quotes
Managing valuations at each stage of the build
Planning for unexpected costs, delays, or upgrades along the way
Structuring your loan for future refinancing or investment growth
Common Questions We Get
Q: Can I get pre-approved for a construction loan?
A: Yes, and we strongly recommend it. We’ll help you get conditional approval so you can confidently plan your build.
Q: How do banks value a property under construction?
A: They assess the “on-completion” value based on your building contract and inclusions. We guide you through this part of the process to avoid surprises.
Q: Can I use equity from another property to fund construction?
A: Absolutely. We can help you release equity to fund land, construction costs, or even landscaping and finishing touches.
Built With You in Mind
Building a home is a milestone. With the right loan structure, it can be a smooth and strategic experience, not a stressful one.
We’ll help you build with confidence from the ground up.
