Construction Loan

Construction Loans Made Simple

Build your dream home with flexible progress payments, competitive rates, and end-to-end support from Kickstart Finance Group.

Get Free Construction Loan Assessment Call 0422 905 666

Construction Loan Kickstart Finance Group

How Construction Loans Work

Construction loans release funds in stages known as progress payments. We guide you through each step so payments flow smoothly and your build stays on schedule.

Slab Stage
Frame Stage
Lock-Up Stage
Fixing Stage
Practical Completion

Why Choose Kickstart Finance Group

Specialist construction loan lenders
Single & split contract options
Owner-builder finance available
Land + build packages
Low-deposit solutions
Guidance through valuations & progress draws
Support for first-home builders

Types of Construction Loans We Can Help With

Land + Build Packages
Knockdown & Rebuild
Duplex / Dual Occupancy
Owner-Builder Loans
Investment Property Construction
Renovation & Extension Loans
Variable & Fixed Construction Options

Construction Loan Process

Pre-Approval – We assess borrowing capacity & secure lender approval.
Land or Property Selection – Secure land or demolition approval.
Builder Contract Review – We check the build contract & terms.
Valuation & Loan Approval – Bank values land + proposed build.
Progress Payments – Funds released in stages as construction progresses.
Final Inspection & Handover – Loan converts to standard home loan.

Construction Loan FAQs

How is interest charged?

You only pay interest on the amount drawn, not the full loan.

Can I use a low deposit?

Yes — some lenders accept 5–10% deposits or government schemes.

Can I build as an owner-builder?

Yes, but conditions apply. We guide you through each requirement.

Do I need council approval?

Yes — lenders release funds only after approvals are complete.

Build Your Home With Confidence

Get expert support, sharp rates, and smooth approvals for your construction loan.

Call 0422 905 666 Email Us