SERVICES
Our Services
Construction Loans

Finance Designed for Building Your Dream Home
If you’re planning to build your own home, securing the right finance is just as important as choosing the right builder. A construction loan is specifically designed to support the unique requirements of building from the ground up.
Unlike standard home loans, construction loans operate under a progressive drawdown structure. This means funds are released in stages—typically aligned with key phases of construction such as slab, frame, lock-up, and completion—allowing you to pay your builder as the work progresses. This approach helps manage cash flow and ensures you’re only paying interest on the funds you’ve actually used.
Key features of a construction loan include:
- Interest-only payments during construction, typically for up to 12 months
- Reversion to a principal and interest repayment structure once construction is complete
- Staged payments based on certified construction milestones
- Flexibility to accommodate timelines and building variations
At Primestone Financial Services, our experienced mortgage brokers will guide you through the entire process—from pre-approval and builder documentation to final drawdown. We’ll work with you to find a competitive and flexible loan solution that suits your build schedule, budget, and long-term goals.
Ready to turn your plans into reality?
Apply online today or speak to one of our experts to get started on your construction journey with confidence.
DISCLAIMER
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders’ terms and conditions, fees and charges and eligibility criteria apply