Construction Loans

Reliable Construction Loans to Build with Confidence

Building Your Dream Home? Make Sure Your Finance Is Built Just as Well.

Infinity Loans arranges construction lending that keeps pace with every stage of your build — from slab to keys.

A Construction Loan Is Different by Design — and That Difference Matters

Building a home from the ground up is one of the most personal and significant projects a person or family can undertake. It is also one of the most financially complex. Unlike a standard home loan where funds are released in a single sum at settlement, a construction loan works in stages — releasing funds progressively as your build reaches defined milestones.

This progressive drawdown structure exists because construction projects have a natural sequence. The foundation must be laid before the frame goes up, the frame must be complete before the roof is installed, and so on through to the final fix and practical completion. Your loan should mirror that sequence, releasing funds at each stage so that your builder is paid and your project keeps moving.

Infinity Loans specialises in arranging construction loans that are structured correctly from the outset — with drawdown schedules that align to your build contract, lender requirements that are understood and planned for, and support that continues throughout the full construction period.

The Details in a Construction Loan Can Make or Break Your Build

Construction loans involve more moving parts than most people anticipate. Before a lender will approve a construction loan, they will want to review your fixed-price building contract, your council-approved plans, your builder’s insurance, and a detailed cost breakdown. They will also require independent valuation of the proposed completed property.

During the build itself, each progress drawdown requires a lender inspection before funds are released. If a drawdown is delayed — because paperwork is missing, because the inspection identifies outstanding work, or because there is a communication breakdown — your builder cannot be paid and your build stalls.

Infinity Loans manages these requirements proactively. We help you understand exactly what your chosen lender will need before your application is submitted, prepare your documentation thoroughly, and maintain active communication with both the lender and your builder throughout the construction period to keep drawdowns on track.

A well-managed construction loan keeps your builder paid, your project on schedule, and your stress levels where they should be — low.

Progress drawdown management

We coordinate progress payment requests with your lender to ensure funds are released on time and your build is never held up by a paperwork delay.

Interest-only during construction

Construction loans typically require only interest on the drawn funds during the build period, keeping repayments manageable while your home takes shape.

Contract review support

We help you understand what your lender needs from your building contract and ensure the documentation is in order before your application is lodged.

Transition to standard mortgage

When your build reaches practical completion, we manage the transition from your construction loan to your ongoing home loan — seamlessly.

Every Stage of Your Build, Supported by Infinity Loans

We enter the picture as early as possible in your construction journey — ideally before you sign your building contract. The earlier we are involved, the better we can prepare your finance structure, advise on lender requirements, and ensure everything is in place before your build commences.

Once your loan is approved, we stay engaged throughout the construction period. Following the completion of each stage of your build, we will assist you in preparing the progress payment application, liaise with the valuer on behalf of the bank, and arrange for the release of funds in a timely manner. We can be contacted for any queries or problems that may arise.

Once the final stage of construction has been completed and you have received your certificate of practical completion, we will facilitate the move from your construction loan to your home loan. By that point, you will have a brand new home and a loan that is set up to serve you well for years to come.

I. Pre-application planning

We review your building contract, advise on lender requirements, and structure your application before a single brick is laid.

II. Loan approval and setup

We secure your construction loan approval and establish the drawdown schedule aligned to your build contract milestones.

III. Progress drawdown support

At each build stage, we manage the drawdown request process — coordinating inspections, paperwork, and lender approvals.

IV. Completion and loan conversion

At practical completion, we transition your loan to its permanent structure and ensure you are set up for the next chapter.

Your Home Is Being Built. Your Finance Should Be Too.

Building a home is an exciting, sometimes stressful experience. The finance side of it should not add to the stress. With Infinity Loans managing your construction loan, you have a team that understands the construction lending process inside out — and that keeps your financial arrangements running as smoothly as your builder runs the site.

From the first conversation to the day you receive your keys, Infinity Loans is the partner behind your build that you can rely on completely.

Planning a New Build? Let’s Set Up Your Finance the Right Way.

Talk to Infinity Loans before you sign your building contract and start your build with confidence. Speak with an Infinity Loans specialist today — your next move starts with one conversation.