Finance & Construction Report
Build Your WA Home With Expert Construction Loan Support
- 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.
Independent, Fee-Free Finance Guidance
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.
Our 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
01. Initial Consultation
We start with an obligation-free conversation to understand your property goals, preferred build type and borrowing capacity. Our brokers will review your financial situation and explain your loan options clearly.
02. Budget Setting
We create a lending strategy tailored to your land, builder and preferred loan. This includes checking deposit requirements, progress payments and loan structure so the plan avoids any unexpected costs and fits within budget.
03. Loan Approval
We help you submit applications and coordinate with lenders to secure loan approval. We also ensure all documentation is complete and that your lender and loan structure match your build and financial goals.
04. Property Purchase & Settlement
Once your loan is approved. We manage the purchase process for your land or house package. We handle all coordination between the lender, builder and buyer so settlement is smooth and transparent.
What’s Inside Your Finance & Construction Report?
We make sure your lender and product are suited to you, your builder and land. This includes:
We cross-reference the builder’s schedule against lender requirements so payments aren’t delayed and your slab isn’t stuck on standby. We offer guidance on:
We work with many banks and lenders, so you’re never forced into the wrong choice. As part of our services, we:
Want hands-on help getting approved and staying stress-free during the build? Our brokers can handle it all for you:
Why Choose House & Land Co for Construction Finance
Perth-Based Experts
Our local 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 can 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 and up to standard.
Construction Finance FAQs
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 the construction process and ensures your funds are available for each phase of work.
Yes. We work as a brokerage service, connecting you with lenders suited to your situation.
Our team helps you compare loans, understand any requirements and move through the finance process with the right lender for your build.
Deposit requirements will vary depending on your lender, borrowing capacity and eligibility for government grants and schemes.
We assess your unique situation and outline what’s achievable, including whether low deposit pathways may be available based on your current lending criteria.
Loan pre-approval is a conditional confirmation that a lender issues, showing how much you could likely borrow.
It helps to set a realistic budget, inform your land selection and give you confidence throughout the construction process. We’ll guide you through all necessary documentation and process so you understand what’s happening at every stage