We can help guide you toward the right finance options for your situation — whether you're buying land and building, building on land you already own, or still working out your budget.
Most residential builds in Victoria are funded through one of a few standard pathways. We'll help you understand which one suits your situation and connect you with the right professionals.
The most common finance pathway for new builds. You draw funds in stages as the build progresses — matching Habitat Vic's staged construction payment schedule. Interest is only charged on what's drawn.
For clients taking a Land & Build package — a combined loan that covers both the land purchase and the build. Often structured as one application, one approval, one settlement process.
If you already own the land, your finance is a construction-only loan against the completed home value. We'll help you understand what the valuation of your completed home should look like.
Victorian first home buyers may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions, and the First Home Guarantee scheme. We can help you understand if you qualify.
Lenders typically require a 10–20% deposit for construction loans. We'll help you understand the realistic total cost of your project — land, build, extras and holding costs — before you commit.
We can connect you with a mortgage broker experienced in construction loans — so you're not navigating a build-specific finance application without expert support.
The information above is general guidance only. Finance decisions should be made with the help of a licensed mortgage broker or financial advisor. What we can do is give you a clear, accurate picture of what your build will cost — so you and your broker have something concrete to work with.
We'll give you a realistic project cost — land, build, inclusions and estimated timeline — so you walk into any finance conversation knowing exactly what you need.
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