House and land packages
A single project split into a land purchase and a build. We line the two contracts up so settlement and construction flow without gaps.
Construction & new build loans
Construction loan broker for new builds and house and land
Building from the ground up has more moving parts than buying an established home, and the lending is where it can come unstuck. We structure your construction loan around the build contract, manage every progress payment, and compare more than 60 lenders so the finance keeps pace with the build.
How a construction loan works
A construction loan is not paid out in one lump sum. Instead it is released in stages that match your builder's fixed-price contract, so you only borrow as the home takes shape. The typical path looks like this:
- Pre-approval and contract. We get you pre-approved, then the lender assesses your fixed-price building contract and plans.
- Land settles first. If you are buying land, that portion settles, and the build funding sits ready behind it.
- Progress payments. The lender pays your builder at each completed stage, usually slab, frame, lock-up, fixing and completion. You generally pay interest only on what has been drawn so far.
- Completion. After the final inspection the loan converts to a normal principal and interest home loan, and repayments settle into their long-term shape.
We coordinate the valuations, the builder's invoices and the lender at every stage, so a delay on one draw does not stall the whole build. For a plain-English walkthrough, read our guide on how construction progress payments work.
Every kind of new build
What we help you finance
Off-the-plan apartments & townhouses
Buying before or during construction. We help you understand the timeline, the deposit and the finance clause before you sign.
Knock-down-rebuild
Replacing an older home, or turning one block into more dwellings. We structure the lending around the demolition and the new build.
Owner-builder & Defence buyers
More complex projects, and DHOAS-eligible Defence members building a home. As a veteran-owned brokerage, we handle both.
New builds and the 2026 negative gearing changes
There is a reason new builds are getting more attention from investors. Australia has changed the way rental losses and capital gains are taxed, and the changes deliberately treat a brand-new home differently from an established one.
In short, and as general information only: under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, from 1 July 2027 the ability to negatively gear an established investment home bought after budget night 2026 is being narrowed, so those losses can generally be offset against other property income rather than salary and wages. Newly built homes are exempt and keep full negative gearing, before and after that date. Investors in new builds are also given a choice in how their future capital gains are worked out. Homes already owned before the announcement are not affected while they are held.
Put simply, the tax settings now point investors toward homes that add to housing supply: house and land, off-the-plan and other genuine new builds. Whether that suits you depends entirely on your own circumstances, and the fine print, including exactly what counts as a "new build", matters.
General information, not tax advice.
This is a general summary and not tax, credit or financial advice. It does not take into account your objectives, financial situation or needs, and the rules have detail and conditions we have not covered here. Always confirm your position with a registered tax agent or accountant. Official detail is published by the Government at budget.gov.au and the ATO.
Want to see how an investment might stack up on paper? Model the cashflow with our negative gearing calculator, which already reflects the new-build and established treatment, then talk it through with us and your accountant.
How we help
- We confirm your borrowing power and get you pre-approved before you commit to a builder.
- We compare construction-friendly lenders across our panel of more than 60, because not every lender treats builds the same way.
- We check the fine print in your building contract and finance clause before you sign.
- We manage the valuations and progress payments so your builder is paid on time, stage by stage.
- We look for ways to reduce or avoid LMI, and to use land equity you may already have.
- We are veteran-owned, so DHOAS and Defence pay structures are second nature to us.
Our service is free to you: brokers are paid by the lender when your loan settles. Explore everything we do, or if you are building on the Sunshine Coast, see our local page.
Common questions
Construction loan questions we hear
How does a construction loan work?
It is drawn in stages that match your builder's fixed-price contract, not in one lump sum. The lender pays the builder at each completed stage, and you generally pay interest only on what has been drawn during the build. On completion it converts to a standard principal and interest loan.
Can you finance a house and land package or off-the-plan?
Yes. We arrange lending for house and land packages, off-the-plan apartments and townhouses, and knock-down-rebuilds, and match you with a lender comfortable with your build type and timeline.
Why are new builds getting attention from investors?
Recent tax changes treat newly built homes differently from established ones, with new builds keeping negative gearing that is being narrowed for established homes from 1 July 2027. This is general information, not tax advice: confirm your position with a registered tax agent.
How much deposit do I need to build?
It depends on the lender, the land value and your position, and some buyers build using equity in land they already own. We work out a realistic figure and look for ways to reduce or avoid LMI.
Do you charge a fee?
No. Our home loan service is free to you. The lender pays us when your loan settles.
From slab to settlement
Building something new?
Talk to a broker who will keep the finance moving in step with the build. The first chat is free and there is no obligation.