Construction Loans
Construction Loans
From blueprint to handover — we’ll help you build with confidence.
Building a home or investment property is exciting—but it’s also full of moving parts. Unlike standard home loans, construction finance works in stages, involves more lender requirements, and often includes tight timelines between approvals, builder invoices, and inspections.
At Kaushal Lending, we help you structure your construction loan so the build runs smoothly, your funding stays on schedule, and your stress stays low. Whether you’re working with a volume builder or going custom, we’re with you every step of the way.
What We Help You With:
- Matching your builder’s timeline with the lender’s drawdown schedule
- Comparing construction loan products from over 40 lenders
- Managing documents like building contracts, council permits, and builder insurances
- Ensuring valuations align with progress and funding stages
- Avoiding delays, shortfalls, or costly missteps
- Releasing final funds at completion — stress-free
Whether it’s your first build or your fifth, we ensure your finance side is strong, smooth, and tailored to your budget and goals.
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Owner-Builder? Dual Occupancy? Knock-down Rebuild?
We handle them all. We support:
First home builders using the First Home Owner Grant (FHOG)
Custom builds with variable quotes or changes mid-way
Knockdown rebuilds
Dual occupancy / subdivision projects
Owner-builder loans (where permitted by lenders)
Some lenders don’t deal with these scenarios—but we do. And we know who will say yes, and what they’ll need to do so.
Construction loans release funds in stages based on how your build progresses. These stages typically include:
Slab/Base
Frame
Lock-up
Fixing
Completion/Handover
You only pay interest on what’s been drawn at each stage, not the full loan amount up front. It’s smart, but it can be tricky to manage alone. That’s where we step in.
The Right Loan, For Where You’re At
No two financial journeys are the same, and we don’t believe in one-size-fits-all advice. Whether you’re buying your first home, building something new, refinancing to cut costs, or navigating a self-employed income, Kaushal Lending is here to make it simpler. As a trusted mortgage broker in Melbourne, we’ll guide you through real lending options—tailored to where you are now and where you want to go next.
Let’s be real—buying your first home can feel like a mess of numbers, banks, and confusing advice. We break it all down for you: how much you can borrow, what deposit you actually need, and what grants you’re eligible for (like the FHOG in Victoria). We’re a local mortgage broker in Melbourne, and we’ll be with you from that first “can I do this?” moment right through to getting the keys. Simple, honest help. That’s how we work.
Interest rates change. Life changes. Your loan should too. Whether you want to refinance to lower your monthly repayments, roll in some credit card debt, or access equity to renovate—this is where we shine. We do the legwork, compare better lenders, and make the switch smooth. It’s your money. We help you make more of it.
Construction finance isn’t like a normal home loan—it works in stages, and there’s a lot of timing involved. We help you line everything up so your loan keeps pace with the build, not the other way around. Whether it’s your dream home or your next investment, we’ll structure your construction loan to keep things running smoothly (and without surprise headaches).
Being self-employed or running multiple properties shouldn’t make finance harder—but banks don’t always agree. We work with lenders who get it. Whether your income is seasonal, split across entities, or just not super “bank-friendly,” we’ll help you find a home loan that works with your reality. From self-employed loans to smart solutions for property investors, we know the way through.
We compare 40+ lenders so you don’t have to.
Let's talk about what you can borrow, how to structure it, and what makes sense for your goals. No jargon, no fluff—just the info you need.
