Referred by OpenLot · Melbourne's Construction Loan Specialists
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First Home Buyer Specialists
Your first home is closer than you think —
find out if you qualify for a construction loan.
A house and land package can be one of the most affordable ways into the market. But construction finance works differently — and most buyers don't find out until something goes wrong. We'll walk you through every step.
5.0
Google rating
Property Investor Specialists
Adding to your portfolio?
Get your construction loan structured strategically.
A house and land package can be a powerful portfolio play — interest-only during construction, depreciation benefits, and equity on completion. But the lending needs to be structured correctly from day one. That's where we come in.
5.0
Google rating
Speak to a construction expert
Free assessment — no obligation
First home buyers
What first home buyers need to know
A house and land package is not a standard home loan. The finance works in stages, lender requirements are different, and the wrong broker can cost you your contract. Here's what we handle for you.
First Home Owner Grant
We identify every grant and concession you're eligible for and make sure your application captures them all.
Low deposit options
Borrow up to 95% LVR. We know which lenders accept low deposits for new builds and structure your loan accordingly.
Full application prep
Building contracts, plans, permits, costings we prepare your complete construction package so nothing gets rejected.
Progress payment management
We manage every stage payment from slab to completion so your builder is paid on time and work never stops.
Fast approvals
Finance clause deadlines move fast. We submit clean, complete applications that lenders approve quickly.
Guided every step
First build? We explain everything clearly, manage the paperwork, and keep you informed from day one to handover.
Property investors
What investors need from a construction loan
A new build investment property has significant financial advantages but only if the lending is structured correctly from day one. We work with investors at every stage of portfolio growth.
Interest-only during construction
Minimise holding costs during the build. We structure your loan to keep repayments as low as possible while construction is underway.
Depreciation from day one
New builds maximise depreciation benefits. We work alongside your accountant to ensure the loan structure supports your tax position.
Complex borrower experience
Self-employed, trust structures, multiple properties — we handle the scenarios most brokers decline.
Refinance strategy on completion
We plan your refinance before the build starts — locking in a lower rate and releasing equity when the build is done.
Portfolio impact assessed
Adding a construction loan affects your overall borrowing position. We model this before you commit.
Aligned to your strategy
Whether this is property two or property ten, we structure the loan to support where you're going — not just where you are.
Why it matters
What most first home buyers don't know about construction loans
Going directly to your bank is one of the most common mistakes first home buyers make. Banks have limited panels, stricter criteria, and no one managing your file after approval.
Not all lenders fund land and construction separately — we know which ones do
Repayments are interest-only during the build, then switch — we structure this correctly from day one
Progress payments require bank inspections at each stage — we coordinate all of this for you
Your contract has a finance clause deadline — we move fast enough to meet it every time
First Home Owner Grant eligibility — we identify and capture every concession you're entitled to
We'll get your finance approved and your builder paid on time, every time.
The investor advantage
Why experienced investors use a specialist broker for construction
Construction lending is one of the most complex areas of mortgage finance. A misstructured loan costs you in holding costs, tax position, and future borrowing capacity.
We match you with lenders who understand investment construction — not all do
We structure land and construction separately where it's advantageous
We manage every progress payment so your builder never stops work
We plan the refinance before the build starts — not after
We work with self-employed, SMSF, and trust borrowers regularly
You're not just getting a loan — you're getting a build strategy.
What sets us apart
A dedicated construction support office
Most brokers disappear once you're approved. We don't. Our Construction Support Office manages your file from approval to completion.
Coordinating all progress payment requests
Managing bank inspections & lender requirements
Communicating directly with your builder
Ensuring every stage is paid quickly
Preventing delays that could stop work on site
A full-service support team backing your build — not just a broker.
What's included
Construction loan features
We prepare your entire construction package and manage the process end to end.
Borrow up to 95% LVR (scenario dependent)
Fast approvals with full documentation prep
Smooth progress payments via our support office
Works for PAYG, self-employed & complex borrowers
Interest-only repayments during construction
Suitable for new builds, renovations, extensions & KDRs
Refinance to lower rates once build is complete
Build strategy aligned to your long-term goals
The process
How it works
1
Submit your enquiry
Fill in the form above we’ll review your situation and reach out to discuss your options.
2
Strategy call
We assess your borrowing capacity, review your contract, and identify the right lenders for your build.
3
Application submitted
We prepare your full construction package clean, complete, and credit-ready.
4
Approved & supported
Our construction support office manages every progress payment until your build is complete.
We are proud to have 450+, 5 Star Reviews ⭐️ We have helped over 1400 clients
Successful Finance Group team kept us well Informed during all stages of the loan process.
We were given a number of great options, but Successful Finance Group’s experience and knowledge got us the best possible deal.
We were very happy with the service.
Dean Porter
Successful Finance Group has been very helpful in securing my home refinancing, Nigel and his team are easy to contact and will guide you through the whole process, will recommend to my friends.
Clarette S.
I had a seamless experience from start to finish. The service was professional, efficient, and exceeded my expectations. I’m a very happy customer and truly appreciated the attention to detail and friendly support throughout the process. I would definitely come back again and highly recommend this service to others!
New Purchase
Successful Finance Group helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days
Ahmad Awamleh
Amazing Service with experienced advice
Nigel helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days
New Purchase
Very helpful
Nigel is very knowledgeable in his field, very professional and clear communicator. He explained the process and made the process smooth and straightforward.
New Purchase
Nigel was great helping us every step of the way as first home buyer. I recommend for anybody looking long for a home to work with him
New Purchase
I had a seamless experience from start to finish. The service was professional, efficient, and exceeded my expectations. I’m a very happy customer and truly appreciated the attention to detail and friendly support throughout the process. I would definitely come back again and highly recommend this service to others!
New Purchase
Ready to find out if you qualify?
Speak to a construction loan specialist — no obligation, no cost.