Planning to build a new home?

Construction loans for new home builds

Overcome the challenges of
home construction

Planning and building your own home is the surest way to get everything you want in a new home. However, financing new construction comes with its own set of challenges. You need reliable access to funds to cover the costs of land, materials, and labour. Unfortunately, traditional lenders can be hesitant about construction loans due to the perceived risk, and unexpected costs can leave you scrambling for cash.

We give banks millions of lending each year, with borrowers who never default, so we have leverage with them to do the right thing for you. We know how the process works, the traps to avoid, and what lenders will need to approve your loan.

Our team can help you navigate the lending process, structure terms and interest rates that suit your budget and timeline, and provide the support you need to keep your construction
on track.

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward.
No two applications are the same – we will tailor a solution to your unique situation.

Customised loan options

We collaborate with you to create personalised construction funding packages tailored to your project’s budget, timeline, and goals, structuring competitive loans that make building achievable.

Experienced loan advisors

Our experienced advisors understand the intricacies of construction finance and provide guidance to secure optimal loan terms for building and renovating property.

Wide range of lenders

We work with an extensive network of lenders specialising in construction finance, giving you more loan choices and increasing your chances of approval.

Build your new home,
minus the stress

Finding and financing your dream home doesn’t have to be stressful. Our home loan options are designed to give you the financial support you need to secure the property you want and start creating memories.

  • Take advantage of competitive interest rates to keep your monthly payments affordable.

  • Enjoy loan terms that fit your financial situation and future plans.

  • We fill out the forms and structure your application in a way lenders like. Less stress for you!

Get the funding you need in 4 simple steps

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Build the home of your dreams

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

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