Building a new home in Sydney is one of the most exciting things you'll ever do — and one of the most financially complex. Lend & Loan specialises in construction finance, making sure your loan perfectly mirrors your build contract and keeps your builder paid at every stage.
📅 Book Free ConsultationA construction loan releases funds in stages as each part of your build is completed — typically 5 stages: slab, frame, lock-up, fixing, and practical completion. During construction, you typically only pay interest on the amount drawn down, keeping repayments low. Once complete, the loan converts to a standard principal and interest home loan.
Pre-approval based on your land value, building contract, and total project cost — before you sign anything.
We select the right construction loan from 50+ lenders for your specific build scenario.
We handle all paperwork including building contract review, valuation, and lender requirements.
We coordinate all progress payments as each build stage is completed, then manage conversion to your final home loan.
Not necessarily — many construction loans are structured to include both the land purchase and the build.
We always advise building a 10–15% contingency into your total project budget and using a fixed-price building contract wherever possible.
Absolutely — new builds attract the highest First Home Owner Grant amount in NSW (up to $10,000). Stamp duty exemptions may also apply.
Book your free construction loan consultation. We'll review your building contract, confirm your grant eligibility, and find the best construction loan from 50+ lenders.
📅 Book Free Consultation 🔍 Calculate Borrowing Power