Finance for the home you're building.

A construction loan is usually split into two phases. During construction, you draw down progressively as each building stage completes — typically deposit, base, frame, lock-up, fixing, and completion. You service interest only on the amount drawn down so far, which keeps cashflow manageable while the full loan isn't yet advanced. Once the build finishes, the loan rolls into a standard principal and interest product on the full balance.

This sits inside the broader home loans offering. If your build is a small-scale development (a duplex or three-townhouse project), you may actually need development finance instead — the lender, LVR, and documentation are different. We'll tell you which side of that line your project falls on.