The whole project budget
Consider land, the building contract, approvals, site works, professional fees and contingencies. A construction contract alone rarely describes every project cost.
Construction finance · Sydney
Plan the finance before the build.
A new build or a small development brings a different set of moving parts. Start with the budget, the stages and the funding requirements.
For owners and investors planning a new build or small development.
What matters
A considered plan from land to completion.
The drawdown process
Construction loans commonly release funds in stages. The lender’s valuation, inspection and progress-payment requirements need to fit the build.
Buffers and the exit plan
Delays, variations and a lower final valuation can change the funding position. Consider holding costs and the plan to retain, refinance or sell on completion.
The right lending conversation
Owner-occupied builds, investment construction and development funding may be assessed differently. The initial discussion helps identify the information and lending pathway to explore.
How it runs
From contract to completion.
- 01
Budget and contract
Land, the building contract, site works, fees and contingencies.
- 02
Approval and valuation
The lender reviews the plans and contract and values the proposed build.
- 03
Progress payments
Funds are released in stages, usually after the lender’s inspections.
- 04
Completion
Final inspection, then the plan to live in, rent, refinance or sell.
These are general steps. Lending is subject to lender criteria and individual assessment. Approval is not guaranteed.
Getting ready
A useful starting point.
You don’t need everything ready for the first conversation. These details can help make it more useful.
- Land or purchase details and current lending
- Plans, approvals and the proposed building contract, if available
- A project budget including contingencies
- Income evidence and the intended completion plan
Discuss the secure process for providing documents with Alan. There is no document upload on this website.
Repayment comparison
Compare two rates or loan terms side by side, including total interest.
Compare repaymentsYour questions
Good to know.
Can I start the conversation before signing a building contract?
Yes. Early discussion can identify likely lender requirements and information gaps. Final lending terms depend on the lender’s review of the project, contract, valuation and your finances.
Will the lender fund every construction cost?
Not necessarily. Some costs or variations may need to be covered by your own funds. Confirm the lender’s requirements, timing and contribution conditions before committing.
Do you assess development profit here?
This page explains finance preparation. A detailed feasibility, tax and planning review is separate. Neither a feasibility estimate nor a finance discussion guarantees an outcome.
Free strategy call with Alan
Your next move starts with a conversation.
15 minutes with Alan. Talk through where you are, where you want to go and what your finance needs to do along the way.