Investment construction loan
If you've decided to build your investment property, we're here to help.
Multi-award winning
Green Construction
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Discounted 5yr green construction rate++
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Interest only during construction period
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No monthly or ongoing fees
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Offset sub-account available after completion
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Unlimited additional repayments after completion
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Access your account via Smart Money app

Our construction loan will help bring your investment property blueprint to life. Speak to our Australian-based home lending specialists to start the process with ease.
You’ll benefit from our competitive rates, interest only repayments during construction, and unlimited redraws plus the flexibility of an offset sub-account after the completion of your build.
Our online process makes applying and settling easy, with expert support at every step just a phone call or email away. Whether it’s your first build, or you’re a seasoned expert, we’ll make sure your financing works for you.
Why Aussies Choose Us

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner.

Online convenience, local support.
Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
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Green Construction InvestorBorrow up to 90% LVR at a discounted rate++ |
6.44% p.a. | 6.41% p.a. | $3,357 |
|
Do I Qualify? |
Solar Construction InvestorBorrow up to 80% LVR at a discounted rate~ |
6.44% p.a. | 6.41% p.a. | $3,357 |
|
Do I Qualify? |
Construction InvestorBorrow up to 80% LVR |
6.79% p.a. | 6.57% p.a. | $3,467 |
|
Do I Qualify? |

Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
More calculators & tools
Why build with loans.com.au?

Competitive rates
Being an online lender means fewer costs for us which means great rates for you.

Australian based
Rely on the support of our Australian-based team when you need to talk things through.

Flexible options
We have a full range of loan features with weekly, fortnightly or monthly repayment options.

Quick decision
Apply online or chat to one of our specialists for a quick decision and easy application.
As seen on...
Real-life customer stories



Katrine
Meet Katrine, a fantastic customer of ours who came to us when she wanted to finance an investment property with her partner through their new SMSF.
Setting up the SMSF was a mission as we had to do it quite quickly, and we had bought an off-the-plan property and had to change the entity name, etc.
loans.com.au did everything to make things happen as quickly as possible and made sure I was very prepared with all the documentation.

Mardy
Meet Mardy, one of our customers who is using his offset sub-account to take years off his home loan.
I always wanted to own my house when I can afford it. Whilst studying at university, I have been working and saving for the downpayment of my first home.
After evaluating the loan offers and terms offered by a number of banks, I decided to proceed with loans.com.au. Since then, I have purchased two additional investment properties in 2019 and 2021. I bought vacant lands for these two investments and built houses using the Construction Loan package of loans.com.au.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our construction loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will guide you through the process and help secure your pre-approval.
Approval & Signing
Review and sign your mortgage documents securely via onTrack.
Settlement
We'll guide you through the drawdown process for your construction loan, with progress payments made to your builder at each stage of construction.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
How Your Construction Loan Works
As each stage of construction is completed, we'll arrange a progress inspection. Progress payments are then made directly to your builder for each stage of completed construction:
Deposit - initial payment to builder, includes payment for council approved plans and building permit.
Base - the land is prepared, foundation is laid.
Frame - completion and approval of house frame.
Lockup - completion of external walls, windows, external doors and roofing so that the property is lockable.
Fixing - completion of internal fit-out, including fixtures, fittings, electrical work, plumbing, internal walls.
Practical completion - remaining work completed, inspections passed, and property ready for handover. Final payment made to builder.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Common construction loan questions
After the construction is complete, you have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. Our offset sub-accounts can be accessed online, and come with a fully-functional Visa debit card and unlimited free redraws. More information on adding an offset here.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for a build:
What documents do I need to buy or build a home in Australia?
You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
A property report is helpful if you’re looking to build a property as it can help determine the right area to build in.
Our property reports provide information such as properties sold in the area, market comparison, median sale prices in the area and suburb insights.
Yes, you may be eligible for our construction loan if you are completing extensive renovations to your existing property.
Simply fill out your application online by entering some of your details here
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan.
In the onTrack app, you can track the progress of your application. For more information for documents required for a construction loan:
What documents do I need to buy or build a home in Australia?
The 6 construction stages are:
- Deposit
- Slab down
- Frame up complete
- Lock-up
- Fixing
- Practical completion
A progress inspection will be carried out by an independent valuer for each building stage. Once your builder sends the invoice to us, a progress inspection will be ordered.
With the completion of each stage of your renovation or build, we’ll arrange an inspection of the property and then pay the builder directly for the completed work. Each progress payment is called a drawdown.
The number of drawdowns will depend on the agreement between you, your builders, and your lender. Loan repayments in constructions loan are interest-only but once the entire renovation is completed, the construction loan will revert to principal & interest repayments, unless you request to extend the interest-only period.
The comparison rate identifies the true cost of a loan. The reason the comparison rate is lower than the standard rate is because the loan will begin on a higher interest rate due to being construction and on interest only repayments. Once the construction period and interest only repayment period is complete, the loan will revert to a standard variable, principal and interest rate, which will likely be lower than the construction interest only rate.
To apply for this loan, you’ll need to have:
- Finalised the purchase of your land
- Selected a licensed Master Builder
- Building plans
- Copy of the fixed HIA/MBA Building contract
Guide to building an investment property
From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here.
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