Construction Loans Sydney
Build your dream home or next development with expert construction finance. We structure progress-draw loans across 50+ lenders.
Out of 19,000 Nationally
Access to Best Rates
Google Reviews
Our Service is Free
Get Your Free Strategy Call
Fill in your details and one of our expert brokers will be in touch within 2 business hours.
Get My Free Strategy Call
We respond within 2 business hours. No obligation.
Why Choose Simplify Finance for Construction Loans?
At Simplify Finance, we believe finding the right loan should be simple, transparent, and stress-free. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team brings over 15 years of experience and access to more than 50 lenders. Our service is free to you; we are paid by the lender.
Progress Draw Management
Construction loans are drawn in stages as building progresses. We manage the draw-down process at each stage.
Land and Build Packages
Whether buying land and building separately or a house-and-land package, we structure the finance to suit.
Development Finance
For developers building duplexes, townhouses, or apartments, we access specialist construction lenders.
Interest-Only During Build
You only pay interest on the amount drawn down, keeping costs manageable during construction.
Frequently Asked Questions
How does a construction loan work?
Drawn down in stages as your build progresses — slab, frame, lock-up, fit-out, completion. You only pay interest on the amount drawn.
What deposit do I need?
Most lenders require 20% based on total project cost. Land equity can count toward your deposit.
Can I get a construction loan for a development?
Yes, from duplexes to multi-unit apartments. Development loans typically require 30-40% equity. We also access private development finance.
How long does approval take?
Bank construction loans 2-4 weeks. Private construction lenders can approve in days.
Related Services
Ready to Get Started?
Book a free strategy session. No obligation, no cost — just clear, personalised advice.