Construction Loans Hills District
Expert construction loans for Hills District builders and developers. From custom homes in Castle Hill to boutique townhouse projects in Kellyville — we access 50+ lenders including fast private finance.
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Construction Finance for Hills District Builders and Developers
The Hills District is one of Sydney’s fastest-growing regions, with strong demand for new homes, townhouses, and boutique developments. At Simplify Finance, we provide specialist construction lending for Hills District projects — from owner-occupier custom builds to multi-unit development finance. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team understands the unique requirements of building in the Hills, including council DA processes, land release areas, and the specific lender policies that apply to this region.
Why Hills District Builders Choose Simplify Finance
Custom Home Construction
Building your dream home in Castle Hill, Kellyville, or Bella Vista? We structure progress-draw construction loans with competitive rates from 50+ lenders.
Boutique Development Finance
Developing townhouses or a small apartment project? We access both bank and private construction lenders for projects $1.5M-$5M.
Land and Build Packages
Buying land in new release areas like Box Hill or The Ponds? We structure the land purchase and construction finance together.
Fast Private Lending
When banks are too slow, our private lenders can approve construction finance in days — ideal for securing Hills District sites.
Hills District Areas We Finance
We provide construction loans across the entire Hills Shire, including:
- Castle Hill — Custom homes and boutique townhouse developments
- Kellyville — New builds in established and new release areas
- Bella Vista — Modern homes near the Metro station
- Baulkham Hills — Family home construction and dual-occupancy projects
- Rouse Hill — New land releases and house-and-land packages
- Box Hill and The Ponds — New estate construction
- Norwest — Mixed-use and residential development near the business park
Frequently Asked Questions
How does a construction loan work in the Hills District?
Construction loans are drawn down in stages as your build progresses — slab, frame, lock-up, fit-out, and completion. You only pay interest on the amount drawn. Learn more about construction loans.
What deposit do I need to build in the Hills?
Most lenders require 20% of the total project cost (land + build). If you already own the land, its equity counts toward your deposit.
Can I get finance for a knockdown rebuild?
Yes. Knockdown rebuilds are common in established Hills suburbs like Castle Hill and Baulkham Hills. We structure the finance to cover demolition and new construction.
Do you finance development projects in the Hills?
Yes. From duplexes to boutique townhouse developments. We access both bank and private development finance.
How long does construction loan approval take?
Bank approvals typically take 2-4 weeks. Private lenders can approve in 3-7 days for urgent projects.
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