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Building a brand-new home, or making major renovations on an existing home are exciting projects to undertake as home owners. If you’re planning to build or give your existing property a major face lift, it may be worth considering a construction loan.



*Terms & Conditions apply. Limited time only. Subject to approval.


Construction loans, also known as builder loans, are different from regular home loans, due to building works requiring ongoing payments as the construction progresses. In the case of a traditional home loan, the totality of funds will be made available in a single lump sum, while a construction loan lets borrowers draw on the loan balance when payments need to be made to the builder. These payments are made at key stages of the building process, and are known as progress payments.


While work is still in progress, you will only be asked to make interest repayments on money that has been drawn down. This means you will only be paying interest on money that has been used.


Repayments will be smaller at the start of your loan, and will increase gradually as your construction project approaches completion.

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