construction loans

Build your ideal home

Finance to build your own home

If you have big plans to build a home of your own – or renovate your existing home – constructions loans can help you make it happen.

build your own

Dreaming of your dream home? Construction loans are purpose-built (sorry, we had to).

renovate your home

We can help you free up equity to finance those ambitious renovations.

unlocking flexibility with construction loans

Embarking on a home construction project can be daunting, requiring meticulous planning and financial management. To navigate this process smoothly, you need a financing solution that offers flexibility and tailored support.

Construction loans, specifically designed for the unique needs of building or renovating your dream home, provide the perfect solution. Here's why they're the ideal choice:

Staged Funding
Unlike traditional home loans, construction loans provide funding in stages, aligned with the progress of your project. This ensures you only access funds as needed for each stage of construction.

Optimized Cash Flow
With staged funding, you'll only pay interest on the amount you've accessed, not the entire loan amount. This optimizes your cash flow, especially if you're renting while construction is underway.

Interest-Only Period

During the interest-only period, you're not required to make principal repayments, easing financial pressure during the build phase.

Effective Budgeting
As your project progresses and you draw down more funds, be mindful that your interest payments will increase accordingly. Effective budgeting is crucial to manage this rise in interest costs as your project advances.
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Construction loans

Great access to a range of construction loans

Construction loans differ from the usual home loan. For one, funds are released in instalments, in line with the progress of the build. They're also structured in a way that reduces your repayment early on. We have insight into an impressive range of construction loan options that we'll help you access to fund your dream home.

If there's help available, why not take it up?

We can let you know if you qualify for any government grants and take you through the process of applying and securing the funding. Every little bit helps!

You may not have done this before, but we have

Building or renovating your own home is a huge undertaking! We're always here to help decipher the bank and builder jargon, and keep you on top of what's happening throughout the process. 

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Stellar Finance Group are used by ambitious people who want straight-talking guidance, personalised service, and amazing outcomes. We help ambitious people in Sydney – and beyond – achieve their big dreams!
Savvy Finance Pty Ltd ABN 85625275667 is authorised under LMG Broker Services Pty Ltd Australian Credit Licence 517192.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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