A good foundation.

A little planning upfront saves a lot of grief down the road – find out how to do your construction loan prep right.

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Borrowing power

Get to grips with the bottom line: how much can you borrow, and what’ll it cost you?

Calculate borrowing power
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Buy or build?

Take a look at the pros and cons when you build your own home – including some potential savings.

Building pros and cons
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The building contract

Get to grips with your building contract, and avoid nasty surprises later on.

Know your contract
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Know the costs

Don’t get caught out by the cost of building a new home – check our list of frequently forgotten expenses.

Overlooked costs

Build it up.

Construction loans are a little different to your run-of-the-mill home loan. Here’s a quick snapshot of how they work.

  • Progress payments

    A construction loan is funded in portions (called ‘progress payments’) to cover the costs of building each stage of your home. Payments are sent to your builder as each stage of work is completed.

Want more nitty gritty on building? Check out our construction loan fact sheet

Member package.

Save even more on your loan by adding a Member Package

For just $395 per year on eligible loans, you get all this:

  • lower variable interest rate (check the rates)

  • no valuation fee (save $200)

  • no solicitor fee (save $200)

  • no fee for fixing your loan (save $250)

  • no fee for splitting your loan (save $250)

  • no fee for topping up (save $250)

Getting your loan.

Need to get a handle on your home loan options? Check out our tips on choosing your loan and nailing the application.

(Of course, you can always call for a home loan chat – get in touch on 13 15 63.)

Apply right

Do your prep right and take the heartache out of loan application.

Ace your application

Get approved

All prepped? Get auction-ready with a conditional loan approval.

Talk home loans

Get underway

Construction loans are special – they get paid in stages. Here’s what you need to do to keep things rolling.

Building in progress

Help and
support.

Snappy answers to your banking questions.

  • Interest-only during construction

    While your construction is underway, you’ll only pay the interest on your loan – you won’t be paying down any of the actual loan until you’ve completed construction.

Still have a question? Find more answers

Contact us.

Call us

Got home loan questions? Give us a call on 13 15 63 and we’ll help you out.

13 15 63

Or don't

Keen to talk home loans, but short on time? Leave your details and we’ll call you.

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Face time.

Our home loan specialists come to you – and you choose the time and place.

book a meet up

Stay in the loop.

Looking to get the jump on the housing market? Sign up to our regular article series for tips, tricks, and strategies on finding and buying the right property.

the legal stuff.

Terms, conditions, fees and charges apply. Applications are subject to credit approval.