Construction finance, one step at a time.
From the first conversation to finding a lender, we help you understand your budget, prepare your application and plan the finance for your build.
Your plans. Your cash flow. Your next step.
Your finance, step by step
Before the first brick.
Start with your plans and your budget. We help turn them into a finance pathway, with clear checks before each next step.
Every build is different. The later steps are a guide; your broker and lender will confirm what applies to you.
Explore pre-approval Looking for a property to build?Start with a conversation
Tell us what you want to build, where you are in the process and when you hope to move in. Bring any land details, plans or builder quotes you already have.
You do not need every detail worked out before we talk.
Work through your cash flow
Together, we review your income, everyday spending, existing debts and deposit or equity. We also allow for rent or mortgage payments during the build, extra costs and a buffer for changes.
The aim is a budget you can manage while building and after moving in.
Find a lender that fits your build
We compare construction finance options from our lender panel, including borrowing capacity, repayments, fees and how each lender handles your project. We explain the options before you choose a direction.
Your broker will confirm whether to seek conditional pre-approval at this stage.
Prepare the application
Once you choose a lender, we help organise your financial documents and the information required from your builder. The lender assesses the application and any property valuation before deciding on approval.
Confirm with your broker: the contract, plans, deposit, insurance and approval conditions needed for your build.
Release funds as the build progresses
Construction finance is usually paid to the builder in stages. Your broker explains how to request each payment and what the lender needs before releasing the funds.
Confirm with your broker: payment stages, inspections, your contribution, fees and any changes to the build.
Complete the build and review repayments
As the home reaches completion, we help you understand the final payment requirements and the repayments that apply afterwards. You can come back to us as your finance needs change.
Confirm with your broker: completion documents, final inspection and the date your repayment arrangements change.
Quickli · Your starting point
Get your numbers ready.
Explore your borrowing capacity, then talk with us about your budget and a pre-approval application.
Start your pre-approval journey
Request Quickli linkOur team can provide your Quickli link and help you prepare your income, expenses, debts and deposit details.
An online estimate is not loan approval. Pre-approval and final approval depend on the lender’s assessment.
Prefer to talk? 1300 792 929Funds when you need them — stage by stage.
Guiding You Home From Foundation To Finish.
Construction loans are specifically designed to fund new home builds, knockdown rebuilds, major renovations and custom construction projects. Rather than receiving the full loan amount upfront, funds are released progressively throughout the build as construction milestones are completed.
This means you're generally only paying interest on the funds that have been drawn down, helping reduce financial pressure during the construction phase.
Whether you're building your first home, upgrading for a growing family, investing in a new build or creating your forever home, our team can guide you through the process.
Flexibility throughout the build.
Progressive builder payments
Interest-only during construction
Improved cash flow while building
Funding for new builds
Knockdown rebuild projects
Major renovations & extensions
Custom home construction
Finance made clear. Decisions made confident.
Construction loans operate differently to traditional home loans. Funds are typically released in stages as construction progresses. Each drawdown is paid directly to your builder once the relevant construction stage has been completed.
Slab / Foundation
The initial groundwork and foundation of your home.
Frame Stage
The structural framework of your home is completed.
Lock-Up Stage
External walls, windows and doors are installed.
Fixing Stage
Internal fittings, cabinetry, plastering and fixtures are completed.
Completion Stage
Final construction works are completed and the home is ready for handover.
More than a mortgage broker. A construction finance partner.
Construction projects involve many moving parts — builders, banks, valuations, contracts, inspections, progress payments. Our role is to coordinate the finance side of the process so you always know what happens next.
From initial approval through to final handover, our team provides support throughout the entire construction journey.
Start your buildConstruction finance for every kind of build.
First Home Buyers
Building your first home from the ground up.
Growing Families
Creating additional space and designing a home that fits your future.
Knockdown Rebuild Projects
Building a brand-new home on an existing block.
Investors
Constructing investment properties designed to generate long-term returns.
Renovators
Undertaking significant renovations or extensions to improve lifestyle and value.
Designed by Bold Living. Financed by SW Brokerage.
We partner with Bold Living — a builder of beautifully crafted homes across Australia — to make the journey from design to handover seamless. From concept and contracts through to progressive payments and final settlement, we handle the finance side while Bold Living brings your home to life.
Helping Australians build with confidence.
Construction Lending Specialists
We understand the unique requirements of construction finance.
Access To Multiple Lenders
We compare loan options from a broad panel of lenders.
Support At Every Stage
From contracts through to progress payments and settlement.
Personalised Guidance
Every build is different and every finance solution should be too.
Long-Term Partnership
Our relationship doesn't end when construction is complete. We continue supporting your future property and finance goals.
Homes built. Lives changed.
"From contract review to the final progress payment, the SW Brokerage team handled it all. Our build came in on time and the finance side was completely stress-free."
"We did a knockdown rebuild on our family block. The team structured the finance perfectly and coordinated every drawdown with our builder. Could not recommend them more."
"First-home builders — completely new to the process. They walked us through every stage, every payment and every decision. We always knew what was happening next."
Common questions, straight answers.
Still wondering? Tell us about your build through our contact page and a construction finance specialist can help you plan the next step.
See all FAQsFrom blueprint to front door.
Whether you're building your first home, upgrading for your family, investing in a new project or undertaking a knockdown rebuild, we're here to help.
We're With You Every Step Of The Way.
Tell us about your build.
Use our contact form to share your plans with the team, or call us to talk through your next step.
Enquire about construction finance 1300 792 929