How we help you build without the budget blowouts
Building is exciting — but it’s also complex. We help you secure the right loan for your build type, stage the funds correctly, and avoid nasty surprises along the way.
Support for first-time or complex borrowers
New builds can overwhelm anyone — especially if you're self-employed, have multiple incomes, or need help presenting your case. We’re here to guide you, step by step.
Expert help with valuations, timelines, and lending structure
We model your build timeline and budget, guide you through cost-to-complete and valuations, and ensure your approvals match reality.
Finance for land + build packages or bare land first
Whether you’re buying both together or in stages, we structure lending that suits your deposit, timing, and lender policies.
Turnkey, fixed-price, or progress-payment builds
We work with banks and non-banks to fund all build types — whether you’re paying in stages or on delivery.
Use our mortgage calculator to see what’s possible.
Get an estimate of your repayments in seconds — and turn rough numbers into a real plan with expert support.
FAQs about finance to build a new home
Do I need a fixed-price build contract?
Not always. Some lenders insist on fixed-price contracts to limit risk, but other lenders offer more flexibility. We’ll assess your lender options based on your builder, budget, and build type.
Can I buy land now and build later?
Yes — we can often arrange lending that lets you purchase the land now and either top up later or pre-structure the full land + build package. Just be aware of valuation and approval expiry timelines — we’ll guide you.
What happens if the build goes over budget or time?
We plan for that upfront. We’ll work with you to create buffer strategies, lender contingencies, and funding flexibility — so your dream doesn’t become a financial headache.
We work with trusted bank and non-bank lenders
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Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Ready to build your future? Let’s structure the finance right.
Book a no-pressure consult with a Luminate adviser. We’ll walk you through what’s possible — and make sure your loan works as hard as your builder does.
Market & interest rate updates
More home loan offerings
Buying your first home
Luminate gets you the best loan terms, handles bank negotiations, and guides your wealth-building journey with expert advice.
Refinance your home loan
Refinance your home loan for better rates. Adapt to market changes, lower payments, and save big over time. Boost cash flow with Luminate’s expert guidance.
Buying your second home
Upsize, downsize, or rightsize your home? Luminate finds the best loan options, negotiates with banks and lenders, and secures funds for your next move.
Build your wealth through property investment
From first-time investors to seasoned landlords, we shape lending solutions around your goals, income, and long-term plans.
