Referred by OpenLot · Melbourne's Construction Loan Specialists
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
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.
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
INDUSTRY RECOGNITION
Award-winning expertise
Recognised as one of Victoria's top mortgage brokers four consecutive years running
2025
Top 5 Mortgage Broker
State Winner — Victoria
2025
Top 20 Mortgage Broker
National Winner — Australia
2024
Broker of the Year
State Winner — Victoria
2024
Top 20 Mortgage Broker
National Winner — Australia
2023
Broker of the Year
State Winner — Victoria
2023
Top 20 Mortgage Broker
National Winner — Australia
2022
Top 5 Mortgage Broker
State Winner — Victoria
2022
Top 20 Mortgage Broker
National Winner — Australia
FAQs
Frequently Asked Questions
1. How much can I borrow for a construction loan?
This depends on your income, existing equity, and the projected value of the completed build. During your free assessment, we'll give you a clear picture of your borrowing capacity as an investor — no guesswork, no obligation.
2. Can I use equity from an existing property instead of a cash deposit?
Yes. Many investors use equity in an existing property to fund all or part of their deposit on a new build. We'll assess what's available to you and how it fits into your overall lending position.
3. How does a construction loan work for an investment build?
Funds are released in stages as the build progresses — for example, at slab, frame, lock-up, and completion. You only pay interest on what's been drawn down at each stage, not the full loan amount upfront, which helps manage cash flow during the build.
4. What structure should I use to purchase an investment property?
This depends on your goals, existing assets, and tax position — options can include buying in your own name, through a trust, or via other structures. We'll talk through what's appropriate for your circumstances as part of your assessment.
6. Will checking my options affect my credit score?
An initial conversation with us won't impact your credit score. We'll only move to a formal application — which may involve a credit check — once you're ready to proceed.
5. What's the difference between pre-approval and final approval?
Pre-approval gives you a clear picture of your borrowing capacity so you can move confidently on a site or builder. Final approval happens once you have a signed building contract and the lender has reviewed the full details of the build.
Ready to find out if you qualify?
Speak to a construction loan specialist — no obligation, no cost.