Fixed-price contract review
Lenders fund off the building contract. We flag clauses, cost-plus risk and out-of-contract items before they delay settlement.
← Loan Types
Build new. Without the lender drama.
Construction loans behave nothing like a normal mortgage. Progress payments, fixed-price contracts, stage inspections, valuation checks or progress payment reviews depending on the lender - we know which lenders run smoothly and which create friction.
Who this is built for.
- Building a new home on land you own or are buying
- Knockdown-rebuild projects
- Major structural renovations and extensions
- First home buyers using new-build schemes
- Investors building or developing one to three dwellings
- Owner-builders (limited lender appetite - we'll be honest about options)
What we do
How we approach this work.
Progress payments without the headache
We coordinate stage invoices, valuer inspections and drawdowns so your builder gets paid on time and the project keeps moving.
Land + construction together
Land settlement and construction funding structured into one approval - no scrambling for a second loan halfway through.
Builder vetting friendly
Some lenders are stricter than others on builder licensing and warranties. We pick lenders that match your builder, not the other way around.
FAQs
Common questions.
How are construction loan repayments structured?+
You typically only pay interest on funds drawn, stage by stage. Once the build is complete, the loan converts to a standard principal-and-interest loan.
Do I need a fixed-price building contract?+
Most lenders strongly prefer a fixed-price contract from a licensed builder. Cost-plus and owner-builder loans exist but have far fewer lender options and stricter terms.
What happens if the build goes over budget?+
Variations need approval from the lender and may require additional funds or a higher contingency. We build in buffer upfront so small variations don't blow up the loan.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.