Construction loans

Construction loans that work with you, not against you

Looking to build your dream home or seeking funds for that big development project? Let the team at Finance Warehouse align you with the construction loan that works with you, not against you. There is no better equipped broker on the market to facilitate your construction loan, whether you are looking for the cheapest rate, the highest LVR, the ability to start construction without pre-sales, or whatever the case—look no further than Finance Warehouse.

What you get

Why borrowers choose us

  • Access to lenders with proven construction facility track records
  • Highest LVR options and competitive rates across the panel
  • Flexibility to start construction without pre-sales where possible
  • Progress payments handled promptly with no abnormal fee structures

Why construction loans need specialist handling

When selecting your construction facility it's imperative that it has included features, favourable bank policies, flexibility, no abnormal fee structures and no delays in having progress payments made. Your Finance Warehouse broker has extensive experience in structuring construction loans for developers and can facilitate development finance for land subdivisions, residential property developments, commercial property developments, and office, industrial, retail and hospitality orientated property development loans throughout Australia.

Residential and commercial developments

We arrange construction finance across the full spectrum of project types, from single dwelling builds to multi-unit residential and mixed-use commercial sites. Whether you're subdividing land, developing townhouses, or building office, industrial, retail or hospitality assets, we match the loan structure and lender to the project risk, timeline and exit strategy.

Larger projects and proven lenders

For larger projects it's vital to be placed with a lender and manager with a proven track record in funding and managing a large construction facility. Many people overlook the importance of having a reliable bank to meet their financial needs and obligations as they arise during the construction process. We place you with lenders that understand drawdown schedules, contingency buffers and the realities of building.

Commercial financing & business loans

Commercial financing can be a difficult area to navigate alone. Eliminating variables that will hinder growth is key to the ongoing success of any business. Your Finance Warehouse broker can deliver on placing you with the highly qualified managers and funders on the market. We know the banks' current appetite for different scenarios as well as the personal attributes of their commercial bankers. Having the ease of mind that your business banker can support you and your business is an important intangible asset many borrowers fail to consider.

Get in touch

Whatever your commercial financing or construction financing needs, be reassured that Finance Warehouse has access to the most up to date commercial products in the market. If you are looking at finance for expansion, investment, leasing, purchase, refinance of commercial properties, retail shops, industrial land, factories, offices or cash flow lending and would like to speak to one of our brokers for further information on commercial loans, contact us on (02) 8021 2840.

How it works

A simple, guided process

1. Free discovery chat

We start with a no-obligation conversation to understand your goals, timeline and current position. No paperwork, no commitment.

2. Strategy and shortlist

We assess your borrowing power, compare suitable products across our lender panel and present a shortlist with clear pros and cons.

3. Application and approval

Once you choose a direction, we package the application properly, liaise with the lender and chase the moving parts so you don't have to.

4. Settlement and beyond

We coordinate with solicitors, valuers and the lender through to settlement, then stay in your corner for future reviews.

Common questions

Good to know

Can I start construction without pre-sales?

Yes. Depending on your overall financial position, the project size and the lender, there are options that allow construction to commence without full pre-sale coverage. We know which lenders are open to this and what additional security or equity they typically require.

What types of developments do you finance?

We arrange construction and development finance for land subdivisions, residential projects, commercial buildings, office fit-outs, industrial sites, retail developments and hospitality assets across Australia.

How do progress payments work?

Construction loans are drawn down in stages as the build progresses—typically slab, frame, lock-up, fit-out and completion. We work with lenders that process these drawdowns efficiently so your builder gets paid on time and the project isn't held up by slow bank administration.

Do you also arrange commercial property finance?

Absolutely. In addition to construction loans, we place clients with specialist commercial lenders for property purchases, refinances, equipment finance, working capital and business acquisitions. We coordinate with your accountant to keep the structure aligned with your tax and growth plans.

Ready to take the next step?

Tell us your goals and we'll point you in the right direction. No obligation.