Smarter Construction Loans for Confident Builds
Building a home is an exciting opportunity to create a space that truly fits your lifestyle, but construction loans operate very differently from standard home loans. With progress payments, detailed lender requirements, and multiple approval stages, the process can quickly become complex without the right guidance and planning.
At KD Loans, we simplify construction lending by guiding you through each phase with clarity and confidence. As mortgage brokers in Australia, we work closely with lenders to structure construction loans that match your build schedule, manage cash flow effectively, and support your long-term goals, ensuring your project stays funded, organised, and on track from start to completion.
Why Build with KD Loans by Your Side
How We Help Throughout the Construction Journey
1. Construction Loan Expertise: We specialise in construction lending and understand lender policies, timelines, and progress-payment structures.
2. Loan Structuring for Each Build Stage: We align your loan with construction milestones so funds are released when needed.
3. Interest-Only During Construction: We help structure repayments so you only pay interest on funds drawn, helping manage cash flow.
4. Coordination with Builders & Lenders: We liaise with lenders and builders to keep approvals, valuations, and payments on track.
5. Clear Guidance on Documentation: We help you prepare building contracts, council approvals, and cost breakdowns correctly.
How a Construction Loan Works
Loan Approval
We assess your finances and secure approval based on building plans and contracts.
Step 1
Construction Begins
Funds are released in stages as construction progresses.
Step 2
Progress Payments
Payments are made at key stages such as slab, frame, lock-up, and completion.
Step 3
Build Completion
Once construction is finished, your loan transitions to a standard home loan.
Step 4
Frequently Asked Questions
A construction loan releases funds in stages as your home is built, rather than as a single lump sum.
Most builds have 4-6 stages, depending on the builder and lender.
Usually a fixed-price building contract, council approvals, plans, and specifications.
Yes, but typically only on the amount drawn at each stage, not the full loan amount.
Changes are possible, but may require lender approval. We guide you through this if needed.
Still Have Questions?
Our mortgage experts are here to help. Get personalized advice tailored to your situation.