Construction & New Build

Mortgage Advisory

Finance every stage from consent to completion.

Keep every stage of your build funded with structured drawdowns, contingency planning, and proactive lender management.

From consent to code compliance.

Whether you are working with a group builder or managing a custom project, construction lending demands meticulous planning. We map the entire cash flow curve so you can focus on the build itself.

How we support you:

  • Contract vetting:

    Aligning payment milestones with lender requirements before you sign the build agreement.

  • Progress draw management:

    Coordinating valuers, QS reports, and lender sign-offs for each staged payment.

  • Post-build strategy:

    Converting to long term lending with the right mix of fixed, floating, or revolving credit once CCC is issued.

Construction Planning
Build metrics

Milestones we track before the slab is poured.

Max loan to cost 90%

For turnkey builds we can often fund up to 90% with selected lenders, while progressive draw projects generally cap at 80%.

Progress draw approvals 48 hrs

Average time we secure sign-off once the QS or valuer confirms a stage is complete.

Variation buffer 10%

We build in a default 10% contingency so small contract changes do not stall funding.

Land + build packages

Ideal for buyers wanting price certainty. We ensure the turnkey contract meets lender standards and negotiate sunset clauses.

  • Deposit structures aligned to developer timelines.
  • Builder due diligence.
  • Fixed interest rate strategies during build.

Progressive draw builds

Custom homes or major extensions require close management of each draw.

  • QS or valuer inspections coordinated for every stage.
  • Interest only repayments during construction.
  • Cash flow models that include rent or board if applicable.

Owner managed builds

If you are acting as project manager we assemble the documentation banks need to stay comfortable.

  • Evidence of experience and contingency funds.
  • Insurance coverage (contract works, public liability).
  • Exit plan once code compliance certificate is issued.
Construction timeline

Funding steps from plan to handover.

1. Pre-approval + feasibility

We gather plans, costings, consents, and valuations to confirm lending appetite with the right bank.

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2. Contract alignment

Payment schedule, retention amounts, and legal clauses are reviewed so lender conditions are met before signing.

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3. Draw management

Each stage is certified, invoices are submitted, and we chase the bank until funds land in the builder's account.

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4. Practical completion

Insurance transitions, inspections occur, and we prepare floating facilities for any last minute variations.

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5. Long term structuring

Once CCC arrives we convert lending into the ideal mix of fixed and floating rates with cash back deals if available.

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Construction FAQs

Answers while the plans are still on paper.

No, you only pay interest on the funds drawn so far. We also arrange interest only during the build to keep cash flow light.

We secure contingency funds and can request top ups from the bank if documented variations are approved. Our team helps present the case quickly.

Some lenders allow forward fixing. We will recommend whether to fix early or wait until final valuation results come in.

Let's unlock your borrowing power.

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