Construction Loans
Build your dream home without the finance headaches.
Construction lending works differently — progress payments, fixed-price contracts, valuations at each stage. Ryan manages the moving parts so you can focus on the build, not the bank.
Sound like you?
- You're building a new home on land you own or are buying
- You're knocking down and rebuilding
- You're doing a major structural renovation
- Your builder needs finance approval before signing
The mistakes Ryan sees every week
Signing the building contract first
Get your finance sorted before you sign. Changing lenders mid-contract is painful, and contract terms can affect what banks will approve.
Forgetting the extras
Driveways, fencing, landscaping, blinds — banks often exclude items your builder does too. Budget for the finished home, not just the slab and frame.
No contingency buffer
Builds run over. A sensible buffer in your loan saves enormous stress when variations appear.
Bring me the quote before you sign anything. Ten minutes reviewing the contract structure against lender requirements can save months of delays. And keep a buffer — the happiest builds I've seen are the ones with room to breathe in the budget.
Quick answers
The lender releases money to your builder at set stages — slab, frame, lock-up, fixing, completion. You only pay interest on what's been drawn down.
Not necessarily, but land plus build is assessed as one package. Ryan structures it so valuations and timing work in your favour.
Variations can be tricky to fund mid-build, which is why we build a buffer in from the start. If it happens, there are options — talk to Ryan early.
Let's talk about construction.
Fifteen minutes, plain English, zero obligation. Worst case, you leave with clarity. Best case, you leave with a plan.
Typical response time: same business day.