Competitive construction loans with fast approvals and flexible terms.
Build your dream home with flexible construction loan solutions designed to support you from foundation to completion.
Funds are released in stages during construction, helping you manage costs as your new home is built.
Choose loan structures designed for construction projects with options that suit your timeline and budget.
Our loan specialists guide you through approvals, builder requirements, and every stage of the construction loan process.
Build Your Dream
Finance your new home
Stage Payments
Pay as construction progresses
Construction loans release funds in stages as your builder completes each milestone.
10–15%
Foundation poured and slab completed
15–20%
Wall frames, roof structure, and external frame erected
20–25%
External walls, windows, doors, and roof fully enclosed
25–30%
Plumbing, electrical, plaster, kitchens, and internal finishes
Balance
Final inspections, landscaping, and practical completion
Foundation poured and slab completed
Wall frames, roof structure, and external frame erected
External walls, windows, doors, and roof fully enclosed
Plumbing, electrical, plaster, kitchens, and internal finishes
Final inspections, landscaping, and practical completion
Learn how construction loans work, how drawdowns are structured, and what to expect when building your new home.
Suman Regmi
Customer
“Fantastic service provided by Finconnex Team. Refinance my current home loan with the great rates and save $$$$, Finconnex also has helped few of my clients construction loans my clients are extremely satisfied with their service.”
Ram Panchal
Customer
“Highly recommended service providers. I would thank you Bishnu and your team for supporting for our process. He's really hard working, always contactable, listening requests and providing solutions accordingly. He supported us even he was on holidays. He is recommended block of his mortgage broker services. Thanks team”
Kritan Sigdel
Customer
“Bishnu Sir at Finconnex is an amazing broker. He is reliable and provides genuine advice tailored to your needs. He helped me navigate the process with ease, making the whole experience feel very valuable. Thank you for the great support!”
Ravi Bhusal
Customer
“Outstanding service and exceptional expertise. A TOP-NOTCH MORTGAGE BROKER IN SYDNEY. I recently had the pleasure of working with Anil Dai for my home loan, and I cannot express enough how impressed I am with the service provided. From start to finish Mr. Adhikari demonstrated a level of professionalism and expertise that is truly commendable. I am beyond satisfied with the service I received from Anil dai and I would whole heartedly recommend him to anyone in need of mortgage broker. Thank you for making my dream of home ownership a reality!!!”
Samjhana Rijal
Customer
“We are extremely satisfied with the exceptional home loan service that we received from Finconnex, particularly from Bishnu Aryal and Akshay Rimal. They took the time to understand our financial needs and financial situation, and found the perfect mortgage solution for us. Their expertise and knowledge of the industry impressed us, and their communication was clear, prompt, and hassle-free. Bishnu and Akshay were always available to answer our questions and address any concerns, making the entire process smooth and stress-free. From application to approval, they guided us every step of the way. We highly recommend Finconnex, Bishnu Aryal, and Akshay to anyone seeking reliable, professional, and personalized home loan services - they truly deserve 5 out of 5 stars!”
Roman Karki
Customer
“We had an outstanding experience with the Finconnex Team, especially Chunna Chettri, for successfully handling our land and house loan settlement. From the very beginning, Chunna was incredibly professional, knowledgeable, and supportive throughout the entire process. He guided us step by step, made everything easy to understand, and ensured that everything was completed smoothly and on time. His communication was excellent, always keeping us informed and responding promptly to any queries we had. The whole Finconnex team demonstrated true dedication and commitment, making what could have been a stressful process feel simple and hassle-free. We are extremely grateful for their hard work and highly recommend Finconnex and Chunna Chettri to anyone looking for reliable and trustworthy mortgage and loan services. Thank you once again for making our dream a reality! Highly Recommended.”
Construction loans are progressive drawdown loans where funds are released in stages as your builder completes each phase (slab, frame, lock-up, fit-out, completion). You only pay interest on the amount drawn down, not the total loan amount, during construction.
You'll need: fixed-price building contract, council-approved plans and permits, builder's insurance and warranty details, specifications and schedule of finishes, and standard loan documentation (income verification, ID, etc.).
Some lenders allow owner-builder loans, but requirements are stricter. You'll typically need a licensed builder's qualification, significant experience, and may be limited to lower LVRs (often 60-70%). Many lenders prefer licensed builders for risk management.
Cost overruns are your responsibility. It's crucial to have a contingency buffer (10-20% of build cost) and a fixed-price contract where possible. If funds run short, you may need to contribute cash or arrange additional financing, which can be difficult mid-construction.
Ready to take the first step? Free no-obligation mortgage assessment.
Competitive construction loans with fast approvals and flexible terms.
Build your dream home with flexible construction loan solutions designed to support you from foundation to completion.
Funds are released in stages during construction, helping you manage costs as your new home is built.
Choose loan structures designed for construction projects with options that suit your timeline and budget.
Our loan specialists guide you through approvals, builder requirements, and every stage of the construction loan process.
Build Your Dream
Finance your new home
Stage Payments
Pay as construction progresses
Construction loans release funds in stages as your builder completes each milestone.
10–15%
Foundation poured and slab completed
15–20%
Wall frames, roof structure, and external frame erected
20–25%
External walls, windows, doors, and roof fully enclosed
25–30%
Plumbing, electrical, plaster, kitchens, and internal finishes
Balance
Final inspections, landscaping, and practical completion
Foundation poured and slab completed
Wall frames, roof structure, and external frame erected
External walls, windows, doors, and roof fully enclosed
Plumbing, electrical, plaster, kitchens, and internal finishes
Final inspections, landscaping, and practical completion
Learn how construction loans work, how drawdowns are structured, and what to expect when building your new home.
Suman Regmi
Customer
“Fantastic service provided by Finconnex Team. Refinance my current home loan with the great rates and save $$$$, Finconnex also has helped few of my clients construction loans my clients are extremely satisfied with their service.”
Ram Panchal
Customer
“Highly recommended service providers. I would thank you Bishnu and your team for supporting for our process. He's really hard working, always contactable, listening requests and providing solutions accordingly. He supported us even he was on holidays. He is recommended block of his mortgage broker services. Thanks team”
Kritan Sigdel
Customer
“Bishnu Sir at Finconnex is an amazing broker. He is reliable and provides genuine advice tailored to your needs. He helped me navigate the process with ease, making the whole experience feel very valuable. Thank you for the great support!”
Ravi Bhusal
Customer
“Outstanding service and exceptional expertise. A TOP-NOTCH MORTGAGE BROKER IN SYDNEY. I recently had the pleasure of working with Anil Dai for my home loan, and I cannot express enough how impressed I am with the service provided. From start to finish Mr. Adhikari demonstrated a level of professionalism and expertise that is truly commendable. I am beyond satisfied with the service I received from Anil dai and I would whole heartedly recommend him to anyone in need of mortgage broker. Thank you for making my dream of home ownership a reality!!!”
Samjhana Rijal
Customer
“We are extremely satisfied with the exceptional home loan service that we received from Finconnex, particularly from Bishnu Aryal and Akshay Rimal. They took the time to understand our financial needs and financial situation, and found the perfect mortgage solution for us. Their expertise and knowledge of the industry impressed us, and their communication was clear, prompt, and hassle-free. Bishnu and Akshay were always available to answer our questions and address any concerns, making the entire process smooth and stress-free. From application to approval, they guided us every step of the way. We highly recommend Finconnex, Bishnu Aryal, and Akshay to anyone seeking reliable, professional, and personalized home loan services - they truly deserve 5 out of 5 stars!”
Roman Karki
Customer
“We had an outstanding experience with the Finconnex Team, especially Chunna Chettri, for successfully handling our land and house loan settlement. From the very beginning, Chunna was incredibly professional, knowledgeable, and supportive throughout the entire process. He guided us step by step, made everything easy to understand, and ensured that everything was completed smoothly and on time. His communication was excellent, always keeping us informed and responding promptly to any queries we had. The whole Finconnex team demonstrated true dedication and commitment, making what could have been a stressful process feel simple and hassle-free. We are extremely grateful for their hard work and highly recommend Finconnex and Chunna Chettri to anyone looking for reliable and trustworthy mortgage and loan services. Thank you once again for making our dream a reality! Highly Recommended.”
Construction loans are progressive drawdown loans where funds are released in stages as your builder completes each phase (slab, frame, lock-up, fit-out, completion). You only pay interest on the amount drawn down, not the total loan amount, during construction.
You'll need: fixed-price building contract, council-approved plans and permits, builder's insurance and warranty details, specifications and schedule of finishes, and standard loan documentation (income verification, ID, etc.).
Some lenders allow owner-builder loans, but requirements are stricter. You'll typically need a licensed builder's qualification, significant experience, and may be limited to lower LVRs (often 60-70%). Many lenders prefer licensed builders for risk management.
Cost overruns are your responsibility. It's crucial to have a contingency buffer (10-20% of build cost) and a fixed-price contract where possible. If funds run short, you may need to contribute cash or arrange additional financing, which can be difficult mid-construction.
Ready to take the first step? Free no-obligation mortgage assessment.