Our Services

Construction Loans

Fund your build with the right construction loan.

✓ No fee in most cases|✓ 30+ lender panel|✓ Investment & Bridging specialists|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

How We Can Help

Construction Loans with LoanBuddy

Construction loans are complex and not every broker handles them well. We've settled house and land packages, dual key builds, knockdown rebuilds, and off-the-plan purchases — and we manage the entire progressive drawdown process from start to finish.

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Construction Loans

What we can help you with

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House & Land Packages

We handle the dual-contract structure lenders require.

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Knockdown & Rebuild

Finance to demolish and build on your existing block.

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Dual Key & Duplex

Investment-focused construction for dual income streams.

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Progressive Drawdown Management

Funds released in stages — we manage every draw.

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Interest Only During Build

Only pay interest on the amount drawn during construction.

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Off the Plan Purchases

Finance for apartments and townhouses purchased before completion.

Common Scenarios

Construction scenarios we handle

Construction finance is more complex than a standard purchase. Here are the situations we deal with most often.

House and Land Packages

A house and land package typically involves two separate contracts — one for the land and one for the build. The finance structure needs to reflect this, and not all lenders handle it the same way. We match you with a lender that suits your specific package and manage the drawdown schedule so funds are available when your builder needs them. Many of our construction clients are building investment properties, and we structure the loan to maximise future borrowing capacity from day one.

Knockdown and Rebuild

If you own a property and want to demolish and rebuild, the construction loan is secured against the land during the build. We've settled many knockdown rebuilds and understand the quirks — including how to handle the valuation when the existing dwelling is to be demolished.

Dual Occupancy and Dual Key Builds

Building a dual occupancy or dual key property — where two dwellings sit on a single title — can be a smart investment strategy. Some lenders are wary of these builds; others actively support them. We know who to approach and how to present the application to give you the best chance of approval.

FAQ

Common questions about construction loans

Funds are released in stages at key build milestones: slab, frame, lock-up, fit-out, and completion. You only pay interest on what's been drawn down.

No — you typically only pay interest on the amount drawn. Full principal and interest repayments begin after the final drawdown at completion.

We discuss contingency buffers with you upfront and help structure your loan to accommodate reasonable cost variations.

Yes. A knockdown rebuild follows the same progressive drawdown structure as a standard construction loan. We have experience with these scenarios and know which lenders are most comfortable with the process.

This is a real risk worth planning for. Most lenders require builder's warranty insurance and a fixed-price contract. We check these requirements upfront and, if a builder fails mid-project, help you navigate the conversation with your lender.

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