Construction Loans

We'll help you fund your new build or renovation with a Construction Loan

Getting a construction loan is a crucial step for those looking to build their dream home or undertake a significant renovation project. Construction loans are specifically designed to provide funds in stages as the construction progresses, rather than as a lump sum upfront. Getting a construction loan can be complex, as in addition to understanding your financial situation, banks will generally need to understand the details of the build before providing approval. We can help you understand the process and make sure you have all the documentation required before submitting an application - saving you valuable time in getting your build underway.

Construction loans operate differently to other types of loans with the funds being provided to pay builders and suppliers as the construction progresses. This means that you'll only pay interest on the funds you've accessed rather than the whole loan. Understanding how a construction loan operates and how it enables you to build or renovate is critical, and we have the expertise to make sure you understand the process and get the right loan for you.

We're a proud member of the Mortgage and Finance Association of Australia and can help with construction loans right across Australia. If you're looking to build or renovate, we have the expertise and experience to guide you through the process and make the right choice.

Ready to chat to one of our team?

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Getting a Construction Loan

Initial Consult

Have a chat with one of our qualified brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets, etc.) to make sure you qualify for a construction loan.

Approval

We'll work to find an appropriate lender for your loan, taking into account your situation and loan type. We'll then handle the paperwork to get your construction loan approved.

Book Appointment

Our Latest Reviews

Kylie Werner

Alex and his team were fantastic from start to finish. We were supported through a complicated refinancing process, and Alpha Financial made everything feel seamless and stress-free. Communication was always clear, timely and proactive, and we felt genuinely looked after the whole way through. Highly recommend Alex and the team for anyone needing expert mortgage guidance.

Emily Ryan

An expert in his industry, Alex presented me with my borrowing options clearly and simply, answering all my questions with ease. Professional, a strong communicator and knowledgable, I'll definitely use Alex and his team again.

Sam Houston

I would recommend Alex and the team at Alpha Financial. Recently refinanced my home and business loans and the process was handled exceptionally well and easy the whole way through. Looking forward to making all my future financial decisions with the help of Alex.

Claire

We’ve worked with other brokerage services in the past, but none have matched Alex’s level of professionalism and expertise. Alex took the time to understand exactly what we wanted and needed, and helped us to maximise our borrowing ...

Matthew Barker

Alex made the whole mortgage process smooth and stress-free. He genuinely cared about finding the best loan for us. Clear communication, great advice, and an excellent result! Highly recommend using Alpha.

Le Fromage Yard

We had such a fantastic experience working with Alex from Alpha Financial. He was incredibly patient, responsive, and professional throughout the entire process. Even with time pressures and last-minute details, Alex handled everything ...

We work with Australia's biggest lenders

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

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At Alpha Financial, we're Mortgage Brokers helping clients Australia-wide fund their new build or renovation with a Construction Loan