Build your WA home with expert construction loan support
House & Land Co provides expert financial support that’s paid by the builder, not you. Finding the right loan is about more than just qualifying. We help you match the lender and loan type to your builder, your land and your long-term goals.
What will your build actually cost to settle?
Estimate your borrowing capacity, repayments and WA transfer duty, including the first home owner rate and the First Home Owner Grant. Nothing is sent anywhere until you choose to send it.
- 1 Borrowing
- 2 Repayments
- 3 Stamp Duty
- ✓ Your report
How much could you borrow?
We start here because your borrowing capacity sets your build budget.
9% APRA-aligned serviceability buffer over a 30-year term, 80% surplus ratio — the same approach your lender will apply.
What will you actually repay?
We've pre-filled the loan amount with your borrowing capacity from step 1. Adjust the rate, term, and frequency to model different lenders.
And the stamp duty hit?
WA transfer duty plus any concession or grant you qualify for — the cash you'll need at settlement on top of your deposit.
Your build, in three numbers
$0
your full report is unlocked
A copy is on its way to your inbox. The full breakdown is right above.
Before you rely on a number
An estimate, not advice. Duty thresholds and grant caps change: confirm your own position with RevenueWA or your conveyancer before you rely on it.
Independent, fee-free finance guidance
Our partner brokers work with multiple banks and construction lenders, so you’ve got options, not just a single default loan.
Whether it’s your first home, an investment property or a rural build, we’ll make sure your loan fits your project and your budget.
How our finance team works
Initial consultation
We start with an obligation-free conversation to understand your property goals, preferred build type and borrowing capacity. Our partner brokers will review your financial situation and explain your loan options clearly.
Budget setting
We create a lending strategy tailored to your land, builder and preferred loan, checking deposit requirements, progress payments and loan structure, so the plan avoids unexpected costs and fits within budget.
Loan approval
We help you submit applications and coordinate with lenders to secure approval, ensuring all documentation is complete and that your lender and loan structure match your build and financial goals.
Property purchase & settlement
Once your loan is approved we manage the purchase process for your land or house package, handling coordination between lender, builder and buyer so settlement is smooth and transparent.
What’s inside your Finance & Construction Report?
Lending strategy created for your build
We make sure your lender and product suit you, your builder and your land. Includes: construction loan vs standard mortgage advice; guidance on deposits, progress payments and redraw options; FHOG and rebate eligibility confirmation; and timing alignment between build milestones and bank releases.
Construction timeline analysis
We cross-reference the builder’s schedule against lender requirements so payments aren’t delayed and your slab isn’t stuck on standby. Covers: how staged payments work; what the bank requires at each stage (slab, plate, roof, lock-up); how to avoid build delays caused by lender paperwork; and keeping your funds flowing.
Loan pre-assessment & lender matching
We work with many banks and lenders, so you’re never forced into the wrong choice. We compare lenders with strong construction terms; find lenders that accept custom homes or rural builds; match repayment structure to income or investment goals; and maximise your borrowing power with smart structuring.
Optional finance support from our partner brokers
Want hands-on help getting approved and staying stress-free during the build? Our partner brokers can handle paperwork and documentation, weekly build tracking and draw coordination, on-call support during construction, and updates between lender, builder and buyer.
Why choose us for construction finance
Perth-based experts
Our partner finance brokers understand Western Australia’s construction market. We match your build, block and budget with lenders who can support regional builds, custom homes and first home buyers.
Low deposit loan options
We explain what deposit you need and compare lenders who specialise in construction loans. You’ll receive independent guidance to pick the loan that best fits your circumstances and goals.
End-to-end support
From initial discussions to loan approval and construction works, we manage every step. One point of contact offers the full suite of support and ensures your project stays on track.
Construction finance FAQs
What is construction finance?
Construction finance is a home loan structure designed for building rather than buying an existing property. Instead of receiving all funds upfront, the loan is released in stages that align with the progress of the build. This keeps repayments down during construction and ensures your funds are available for each phase of work.
Are House & Land Co mortgage brokers?
No. We are an independent building advisory, not a mortgage broker and not a credit provider. What we do is connect you with partner mortgage brokers who are, and who understand construction lending in Western Australia. They help you compare loans and move through the finance process with the right lender for your build.
How much of a deposit do I need?
Deposit requirements vary depending on your lender, borrowing capacity and eligibility for government grants and schemes. We assess your situation and outline what’s achievable, including whether low deposit pathways may be available based on current lending criteria.
What is loan pre-approval?
Loan pre-approval is a conditional confirmation from a lender showing how much you could likely borrow. It helps set a realistic budget, inform your land selection and give you confidence throughout the construction process. We’ll guide you through the documentation so you understand what’s happening at every stage.
Speak with our team about finance
Start with an obligation-free conversation about your borrowing capacity, your build type and which grants you may be eligible for. It costs you nothing.