Construction Loan Options
We help clients secure construction loans that release funds as building milestones are met. Lenders typically approve 5-6 payment stages: deposit, slab, frame, lock-up, fit-out, and completion.
Interest applies only to drawn amounts during construction, reducing upfront costs. Most lenders require fixed-price builder contracts and land valuations before approval.
Our team assists with lender documentation, including builder licenses and council permits. We ensure loan terms align with project timelines to avoid funding gaps.
Renovation Finance Solutions
Funding options vary by project scope:
- Personal loans: Suitable for upgrades under $50k, with terms up to 7 years
- Construction loans: For major structural changes exceeding $150k, offering progressive payments
- Equity loans: Leverage existing home equity for renovations, often at lower rates
We compare lender rates and terms to find cost-effective solutions. Recent data shows average renovation loans near $16,783, with rates from 5.76% p.a..
Bridging Loan Management
Bridging finance helps homeowners buy new properties before selling existing ones. Lenders typically allow 6-12 months for sales, with interest-only repayments during this period.
We assess risks like market fluctuations and recommend alternatives where appropriate. Peak debt calculations ensure clients can manage combined mortgage repayments temporarily.
Government Grant Eligibility
First Home Owner Grants provide up to $30k for new builds in Queensland and other states. Closed schemes like HomeBuilder offered $25k for renovations, with documentation deadlines extended to June 2025.
We verify client eligibility for active programs, including income caps and property value limits. Northern Territory’s renovation grant required using local contractors for approved works.
Equity Access Strategies
Homeowners unlock equity by calculating current property value minus mortgage balance. Lenders permit borrowing up to 80% of home value for renovations or investments.
We coordinate valuations and loan applications, ensuring clients maximise usable equity. Case studies show strategic withdrawals fund extensions while maintaining manageable LVR ratios.
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Initial Consultation and Design Planning We start by discussing your vision, budget, and timeline. Our team reviews your block’s site conditions, zoning rules, and council requirements to create feasible designs. Key steps include: Conducting soil tests and land surveys Drafting concept sketches with 3D visualisations Selecting materials aligned with local climate and your style Estimating […]
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Got a tricky block? No worries. We design and build on sloping land, making the most of your site and delivering a solid, stylish home.
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We handle your build from start to finish. Our experts keep your project on track, on budget, and stress-free, so you get quality results every time.