Construction Loans
Tailored Lending Solutions for Australian Property Owners and Developers
AKA Finance Group delivers personalised construction loan solutions to support Australian property owners and developers.
Whether you’re building your first home, constructing an investment property, or undertaking a major renovation, we provide independent advice and access to a broad panel of lenders to secure competitive and strategically structured finance.
Construction lending can be complex — our role is to simplify it, structure it correctly, and manage the process professionally from start to finish.
Construction loans are essential for turning property projects into reality, allowing you to fund building works, manage cash flow, and control costs efficiently. Rather than focusing solely on approval, we emphasise structuring your loan to support stage payments, project timelines, and overall financial efficiency.
Our aim is to ensure your construction finance is not just approved — it’s structured to support your build and long-term investment outcomes.
Of the asset value can often be financed — no deposit required in many cases. Subject to lenders policy.
Finance Structures Available
- Chattel mortgage (most common)
- Finance lease
- Operating lease
- Hire purchase
- Commercial hire purchase
- Sale and leaseback
Tax Benefits
Types of Construction Loan Solutions We Arrange
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Owner-Builder & Builder Loans
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Land & Build Loans
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Renovation & Extension Loans
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Portfolio Development Loans
How We Help with your Construction Lending Process
Strategic Consultation
Construction lending requires a structured, step-by-step approach to ensure timelines, budgets, and approvals align. We start by building a clear understanding of your project and financial position.
- Your construction goals
- Project scope and budget
- Financial position
- Property strategy
- Cash flow and serviceability
- Project timelines and milestones
Financial & Project Review
We carefully review both your financials and construction plans to ensure everything meets lender expectations and project feasibility standards.
- Income and expenses
- Existing loans and liabilities
- Project feasibility and plans
- Construction cost estimates
- Equity position
Lender Selection & Structuring
We compare lenders and structure your loan to align with construction stages, timelines, and financial strategy.
- Major banks
- Second-tier lenders
- Specialist construction lender
We ensure your funding structure supports a smooth and flexible construction process.
- Loan structure and drawdown schedule
- Interest-only vs principal & interest options
- Fixed vs variable rates
- Security and guarantor requirements (if applicable)
Application & Credit Submission
We prepare a detailed and structured application to present your project clearly and professionally to lenders.
We prepare and submit your application, ensuring:
- Strong presentation
- Detailed project plan and budget
- Clear financial position
- Alignment with lender policy
Conditional Approval & Progress Monitoring
Once submitted, the lender assesses both your financial position and construction details. We manage the entire process to ensure smooth progress.
The lender typically requires:
- Project plans and permits
- Construction cost estimates
- Valuation of land (if applicable)
- Credit and financial assessment
Settlement & Funds Release
Once approved, we coordinate settlement and manage staged funding to support each phase of your construction.
Once approved:
- Loan documents are issued
- Funds are released according to construction stages
- Progress payments are managed efficiently
Construction Loans
Some loans require land ownership, while land & build loans allow you to finance both land purchase and construction.
Yes. Construction loans are drawn down in stages based on project milestones and valuations.
No they are not higher than a standard home or investment loan, though this varies by lender and project.
Yes. Many clients refinance to fund construction or renovations while consolidating existing debt.
Approvals typically take 2–6 weeks depending on complexity and documentation. Progress draws are managed throughout construction.
What You Generally Need
Who Can Apply✦ Eligible
- Sole traders, partnerships, and companies
- ABN holders (typically 6–12 months minimum)
- Trusts and SMSFs in some cases
- Both new and established businesses
- Applicants with an asset to secure against
Documents Required✦ Needed
- ABN and business details
- Last 2 years business tax returns
- BAS statements (last 4 quarters)
- Details of existing debts and liabilities
- Purpose of loan (may be required)
Secure the Right Structure
Whether building your dream home, renovating, or managing a development project, structured construction finance can support your project efficiently and securely.
Book your complimentary review today to explore your construction lending options.
AKA Finance Group — Finance, Structured Around You.
Other Services
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Refinancing
Review and improve your current loan
Investment Loans
Grow your property portfolio
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Commercial Loans
Finance for business premises
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Personal Loans
For purchases, renovations and more
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Asset & Equipment
Finance for business assets
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SMSF Loans
Property via superannuation
Ready to Get Started?
Contact a broker today — obligation free and at no cost to you.
AKA Finance Group -
'Finance Structured Around You'
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