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Construction Loans

Grow your wealth with confidence. MartinCo Financial Services simplifies property investment, letting you focus on returns and strategy while we handle the complexities.

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The Process

Construction Loans

Your construction loan is managed to keep projects on schedule and finance aligned.

Renovating or Building Your Dream Home

Building a home needs careful financial planning. We offer finance for buying land, constructing homes, off-the-plan purchases, and house and land packages.

The Application Stage

Lenders often process land and construction as linked loans. Once construction is approved, it replaces the initial loan, leaving one combined mortgage.

The Construction Stage

Construction usually must start within two years of settling the land. Payments are made at the completion of each stage.

The Repayment Stage

Interest is charged only on drawn funds. Repayments depend on construction progress. Variable rates are standard, with some fixed-rate loans offering separate land and construction rates.

Get Started

Speak With a Construction Loan Specialist

Building a home or investment property? Reach out to discuss construction finance options and how the process works from start to finish.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

Common Questions

Construction Loans FAQs

Can you help me understand my borrowing capacity?
Yes. Borrowing capacity shows how much you can borrow. Use our calculator or contact us for a detailed review.
With access to over 60+ lenders, we discuss your goals and show pros and cons of each option to help you choose the right loan.
Construction loans are usually released in stages as the build progresses, rather than providing the full amount upfront.
Yes. It is recommended to organise finance early so borrowing limits and loan structure are clear before committing to a builder.
Typically, repayments are based only on the funds drawn during each stage of the build.
Yes. Depending on the project scope, construction finance may also be used for major renovations or rebuilds.
Most lenders require construction to commence within a specified timeframe, commonly within two years of land settlement.
MartinCo agent on phone call by street.
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Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
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