314/20a Lexington Drive Bella Vista NSW 2153
+61 447 959 546
info@apwfinance.com

Construction Home Loans

Build Your Dream Home with Smarter Finance

Construction Home Loans

Whether you’re building your dream home or a long-term investment, APW Finance structures construction loans to align with your timeline, progress stages, and financial goals—ensuring every phase of your build is supported with expert guidance and lending that grows with you.

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    Flexible Funding for Every Build Phase

    Construction home loan features include:

    Progressive Drawdowns:

    Funds are released in stages—aligned with your build milestones—so you only pay interest on what’s been drawn.

    Interest-Only During Construction:

    Minimise out-of-pocket expenses with interest-only repayments during the building phase, then switch to principal and interest once completed.

    Fixed or Variable Options:

    We help you choose between rate types based on your cash flow, stability needs, and market outlook.

    Owner-Builder or Licensed Builder:

    We work with both owner-builders and licensed construction companies, tailoring loan structures to match your project plan and lender requirements.

    Smarter Lending, Stronger Foundations

    Building a home? We structure your finance to match every brick and blueprint.

    Owner-Occupied Builds

    Building your dream home? We arrange stage-based funding, interest-only repayments, and clear lender communication—helping you stay financially stress-free throughout construction until you’re ready to move in.

    Investment Property Construction

    Financing an investment build? We tailor loans to help manage cash flow, maximise tax efficiency, and align with your rental return goals—all while keeping the project on track.

    Knockdown & Rebuild

    Out with the old, in with a custom new home. We provide flexible construction loan structures for knockdown-rebuilds, including timelines, valuations, and council approval milestones.

    Your Perfect Loan Starts With the Right Partner

    From paperwork to approval, we make your lending journey fast, smooth, and stress-free..

    APW Finance – Construction Loan FAQs

    What is a construction home loan?

    A construction loan provides funding in progressive stages to build a home. You only pay interest on drawn funds during the construction period—not the full loan upfront.

    How does a construction loan work?

    Funds are released in drawdowns as construction progresses. Typical stages include slab, frame, lock-up, fix-out, and completion. Lenders inspect and approve each stage before releasing funds.

    Who can apply for a construction loan?

    Eligible applicants include owner-builders and those working with licensed builders. You'll need a building contract, approved plans, proof of income, and solid credit history.

    Can I make extra repayments during construction?

    Yes, some lenders allow extra repayments during the interest-only phase, depending on loan structure. It’s a good way to reduce your future loan balance early.

    How is the property valued during construction?

    Valuation is based on land value plus building contract amount. Lenders often conduct multiple inspections before approving progress payments at each construction stage.

    Are there risks or delays with construction loans?

    Potential delays in building or inspections can impact drawdowns. APW Finance helps manage lender communication and timelines to keep your project and finances on track.