from your dream home to an investment project—requires more than just architectural plans and a builder. It demands the right financial structure, careful planning, and a partner who understands the process from concept to completion. At Loan Select, we help you secure the funding you need while making the experience as smooth and transparent as possible.
Construction loans differ from standard home loans. Funds are released progressively at different stages of the build, known as progress payments. We help structure your loan to match the builder’s contract and ensure you have the funds available when you need them—without overcommitting.
Planning to manage your own build? We can assist with finance options for owner-builders or clients with specialised, non-standard construction needs. Our experience in dealing with complex loan applications ensures your project won’t be delayed by avoidable lender objections.
If your project involves building two homes on a single lot, splitting land titles, or developing multiple dwellings, you need a finance strategy that accounts for valuation complexity, council requirements, and staged disbursements. We manage these details for you.
We act as the communication bridge between you, your builder, and the lender. This includes coordinating valuation reports, payment approvals, and lender inspections—ensuring your build proceeds on schedule with no funding delays.


Whether you’re constructing a single dwelling, dual-occupancy, or developing multiple units, our expert brokers provide tailored advice and complete loan management designed to align with your budget, timeline, and long-term goals.
To assist you in securing a construction loan, we typically require:
A signed building contract outlining the full scope of work, including cost breakdowns, timelines, and builder details. This is essential for lender assessment and loan structuring.
A full set of architectural drawings with local council approval. These are reviewed by both valuers and lenders to confirm the project's feasibility and compliance.
A clear schedule outlining when and how the lender will release funds at each stage of construction—typically slab, frame, lock-up, fit-out, and completion.
As with all lending, you’ll need to provide evidence of your income, existing debts, and savings. This may include payslips, tax returns, and bank statements.
Lenders often require your builder to be licensed and insured, with documentation confirming Home Building Compensation cover or equivalent.
Building a property is a major undertaking—but it doesn’t have to be complicated. With the right financial partner by your side, the process becomes clear, structured, and achievable. At Loan Select, we manage the finance while you focus on the build.
Book a Consultation today to explore your construction finance options and receive a personalised plan designed around your vision.
Disclaimer: The information on this page is provided as general guidance only and does not take into account your personal objectives, financial situation, or needs. Before acting on any information or applying for a product, we recommend assessing its suitability for your circumstances. A full review of your financial position will be required prior to any approval. This content does not constitute legal, tax, or financial advice. We strongly encourage you to seek independent professional advice tailored to your individual situation.
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