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Construction Loans

Turn your building plans into a reality with a construction loan.
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We'll help you fund your new build or renovation

If you’re building a new home or planning major renovations to your existing home, a construction loan is generally the most appropriate funding option. The difference between a construction loan and other types of loans is that a construction loan is drawn down in stages and not paid as a lump sum. The draw downs enable the builder of a home to finance the various stages of the construction process from the acquisition of land to the various stages of building.

What does it cost to use a broker?

We do not charge any fees for our service. The loan you secure through us is exactly the same as if you went directly to the bank. However, with us, you’ll benefit from expert advice, hands-on support, and a seamless experience from start to finish.

From the first brick to the final inspection, we’re with you every step of the way. Whether you’re in Castle Hill, Cherrybrook, Kellyville, and the surrounding Western Sydney Hills District areas, book your free appointment today and take the first step towards securing the perfect home loan solution.

A construction loan is a specialised type of home loan designed for building or major renovations. Funds are released in stages as construction progresses rather than as a lump sum upfront.

Unlike regular home loans where you receive a lump sum at settlement, a construction loan releases funds in stages as your project progresses. This means you’re only paying interest on what you’ve drawn down, not the full loan amount. Once your project is complete, your loan transitions to the variable or fixed rate you selected, ensuring a seamless process from start to finish.

During the construction phase, you only pay interest on the amount drawn down, not the full loan amount. This helps keep costs manageable while your project is underway.

Once construction is finished, the loan typically transitions to the variable or fixed rate you selected at application, with full repayments beginning on the total loan amount.

Yes, construction loans can be used for major renovations as well as building new homes or purchasing land to build on.
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Understanding home loans

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Irwin Financial Solutions (ABN 59 520 662 242) and Paul Irwin is a Credit Representative 387010 of BLSSA Pty Ltd (ACN 117 651 760) & Australian Credit Licence 391237
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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Your local mortgage broker in Castle Hill, Cherrybrook, Kellyville, and the surrounding Western Sydney Hills District areas.
0402 022 447
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Mortgage Broker near me

If you’re in the Castle Hill, Cherrybrook, Kellyville, or surrounding areas and in need of a mortgage broker, look no further than Irwin Financial Solutions. Whether you’re a first home buyer, refinancing your existing loan, or looking to invest in your financial future, our dedicated team is here to assist you every step of the way. Contact us today to start your journey towards securing your financial well-being.