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Construction Investor Loan

Build or renovate and increase your investment property's value with our construction loan.

Multi-award winning

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Construction Investor Loan

6.99
%
p.a
Rates from-
7.04
%
p.a
Comparison rate*
  • Build or renovate your dream home
  • Interest only during construction period
  • No monthly or ongoing fees
  • Offset sub-account available after completion
  • Unlimited additional repayments after completion
  • Access your account via Smart Money app
Our Google Rating
4.5
515 reviews

Why our construction investor loan could be the fit for you

Interest only during construction period

Pay interest only repayments on your investor loan during the construction period so you can invest with confidence.

Add an offset

Once construction is complete, you will then have the option to add a 100% offset sub-account to your investor loan.

Updates on progress

Receive updates on progress and valuation before a portion of your investor loan gets released with no hidden fees.

No ongoing fees

Enjoy no ongoing fees on your construction investor loan.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

Loan purpose
Loan type
Repayment type
Repayment frequency
Rate type
years
Most Popular

Green Construction Investor

Investor Interest Only Up to 90% LVR
Get rewarded with a discount to your construction investor loan rate when you go green for your new investment.

Interest rate
6.44 %   p.a.
6.41% p.a.

Estimated repayments#
$344 per month
Loan amount
$50,000
Interest charged
$66,818

Need to know more? Here's the whole offer

Here’s your new offer

Repayment Type

Maximum LVR of 90%

Product Interest rate from Comparison rate
Construction Investor 6.99% p.a.- 7.04% p.a.*
10% deposit minimum Yes
Up to 30 years loan term Yes
Available for construction Yes
Redraw available after completion Yes
Access your account via Smart Money app Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $300
Construction admin fee $120
Construction assessment progress fee $650

Construction investor loan eligibility

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17 Jun 2025

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07 Jun 2025

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1

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

4

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Construction loans

A construction loan is for anyone building or renovating a home, instead of buying an established property. They offer cashflow flexibility since they let you progressively drawdown money throughout the construction process, ensuring you only pay interest on the amount you use.

For the application and the finalisation of your construction loan, you’ll need Council-approved plans, a signed and dated building contract, a quantity surveyor report, builder risk insurance, and a copy of the builder’s public liability insurance.

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.

When applying for the First Home Owner Grant, you need to:

  • Check your eligibility.
  • Collect the required documents.
  • Complete your application online or lodge the application through an approved representative.

The First Home Owner Grant is typically provided after laying the slab for construction loans.

You could get a construction loan as an owner-builder, but the funds are still released during the stages of construction.

Building delays may affect when the builder gets paid but not the loan itself. If there is a delay during the frame-up stage, for example, the payment to the builder will also be delayed.

When construction is complete, your construction loan will become a standard home loan. You’ll begin paying off the principal loan amount plus interest until the loan term is finished.

Before construction begins, your builder will prepare a contract outlining each construction stage and associated costs. We then progressively drawdown your loan to pay the builders' costs at each stage. Generally, your construction loan will be interest-only repayments while your home is being built.

While the house is under construction, you’ll make interest-only payments on the amount paid to the builder. When the house is completely built, your construction loan becomes a standard home loan.

Yes. Whether it's a small property extension or a total knock-down and rebuild, a construction loan lets you draw funds from the loan progressively as your invoices arrive. This ensures you save money, as you only pay interest on the progress payments made until the loan is fully drawn.

There are typically five stages of building a house with a construction loan. We will finance the construction at each stage. Stages may differ from state to state, but the most common building stages are foundation, framing and brickwork, lockup, second fix, and completion.

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.

Every house is different, but one thing is for sure, building a new home is exciting. Before you start, it's important to know how much it will cost so you know how much to borrow. Various guidelines exist to help you ask the right questions and calculate a construction budget.

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Ready to build or renovate your next investment?

Find out of you are eligible for our construction investor loan.

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