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Construction & Building Loans

Horizon Financial Solutions offer specialist loan support for new builds, major renovations, and custom home projects across Australia.
Contact Us
Call 1300 884 779
Couple with construction loan for house build

How Construction Loans Work

Designed for new builds and major renovations, construction loans release funds in stages as your project progresses.

Construction loans are specialised finance solutions designed for new home builds and significant renovations. Unlike a standard mortgage, funds are released progressively as your build reaches agreed milestones, helping you manage cash flow and reduce interest costs during construction.

Construction loans:

  • Release funds in stages aligned with your building contract
  • Typically require interest-only repayments during construction
  • Convert to a traditional home loan once the build is complete

 

Andrew Leak - Mortgage Broker

Who Construction Loan Brokers Can Help

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First-Time Builders & Homeowners

Navigating construction finance rules, lender documentation and progress drawdowns can be overwhelming – brokers make it straightforward.
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Custom Build & Knock-Down Rebuild Projects

Whether you’re designing a custom home or replacing an older dwelling, brokers tailor loan structures to suit complex project needs.
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Investors & Multi-Unit Builds

Construction loans also cover small duplexes or investment builds where staged funding and lender insights are vital.
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Self-Employed & Complex Income Clients

Without the right loan strategy, documentation requirements can trip up applications – brokers handle this expertly.

See What Our Construction Loan Clients Are Saying

We were seeking a construction loan & were unhappy with our previous broker. Andrew was recommended to us by our builder & the difference in service was apparent straight away.

He is extremely knowledgeable regarding everything construction & explained all the steps to us so we understood, which is one of the things we were lacking with our other broker.

I would highly recommend Andrew & his team.

Georgia Steele

☆☆☆☆☆

Andrew and April have been fantastic in guiding us through our first home purchase. Starting with the land loan in 2024 and now with the construction loan in 2025.

Always available, quick to respond and great in relieving the stress and uncertainty.

Highly recommended and will be happy to use them again.

Kevin Hoyle

☆☆☆☆☆

Common Construction Loan Challenges & Our Solutions

Confused about staged payments and progress drawdowns
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Confused about staged payments and progress drawdowns

The Horizon Solution:

We explain how funds are released as your build progresses and what lenders require at each stage.

Unsure how much you can borrow
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Unsure how much you can borrow

The Horizon Solution:

We assess your income, project costs, and financial profile to determine borrowing power.

Concerned about approval due to project type
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Concerned about approval due to project type

The Horizon Solution:

Our brokers match you with lenders experienced in your specific build type.

Worried about documentation and compliance
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Worried about documentation and compliance

The Horizon Solution:

We help you prepare contracts, permits and lender paperwork for a smoother outcome.

Construction Loan Services We Offer

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New Home Construction Loans

Tailored loans that fund the build from slab to completion.
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House & Land Package Loans

One loan for both land purchase and construction financing.
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Custom Homes & Vacant Land Builds

Structured loans for owner-designed projects.
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Knock-Down Rebuild Loans

Finance demolition and rebuild in a single loan facility.

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Major Renovation Financing

Loan options that support significant upgrades to existing homes.

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Investment / Dual Occupancy Build Finance

Specialist solutions for investment construction.

Our Construction Loan Brokerage Process

Free Consultation

We talk through your project plans, timelines, budget and borrowing goals – online or in-person.

Project & Loan Assessment

Our brokers review your building contract, plans and finances, then compare multiple lenders.

Application & Documentation

We prepare and submit your loan application, including progress drawdown schedules and compliance documentation.

Loan Approval & Progress Payments

Once approved, funds are released in stages as your build progresses. We stay involved to ensure smooth administration.

Completion & Loan Conversion

After the final construction stage, your loan converts to a regular principal and interest home loan.

Why Choose Horizon Financial Solutions for Your Construction Loan

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Dedicated Local Expertise

We serve South Brisbane, Logan, Jimboomba and South-East Queensland.
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Wide Lender Network

Access to multiple lenders increases your chance of approval and competitive terms.
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Construction Loan Specialists

Brokers who understand the complexities of staged builds and progress drawdowns.
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Personalised Support

We explain every step clearly, from initial quote to loan settlement.
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Transparent & Trusted

No hidden fees — just honest advice and strong support.
Andrew Leak - Reliable, Local Broker

Ready to Build?

Talk to a Construction Loan Broker Today

Whether you’re planning a new build, renovation, or knock-down rebuild, our expert brokers can help you secure the right loan and guide you through the entire process.

Book Your Free Consultation
or call 1300 884 779

Speak to Your Local Mortgage Broker Today

Phone Horizon Financial Solutions

1300 884 779

Based in Cedar Grove, QLD

Get personalised home loan advice.

Whether you’re buying your first home, refinancing, or investing, we’re here to guide you every step of the way.

Your Home Loan Options, Made Simple

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