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Construction Funding

Building a home or development project comes with moving parts. From land purchase through to final build, the right funding structure can make all the difference. At Finance Industries Australia, we help structure construction finance to align with your plans, timelines and budget.

Access to 70 + Lenders

We compare a wide range of lenders, including major banks and specialist business lenders.

Tailored Lending Strategies

We structure finance based on your business cash flow, growth plans and risk profile.

Ongoing support

We stay connected beyond settlement, reviewing your lending as your business evolves.

Funding That Matches Your Build

Construction loans are different to standard home loans. Funds are released in stages as your build progresses, helping you manage cash flow and pay your builder at each milestone.

We help structure loans for:

  • Owner builder projects
  • House and land packages
  • Knockdown rebuilds
  • Residential developments
  • Investment builds

Each project is assessed on its own merits, including contract type, builder, timeline and overall costs.

How Construction Funding Works

Construction loans are typically funded in progress payments, often called drawdowns. These stages may include:

  • Land purchase or initial deposit
  • Slab or base stage
  • Frame stage
  • Lock up stage
  • Fit out or fixing stage
  • Completion

Interest is usually charged only on the funds that have been drawn down, which can help manage repayments during the build.

Who This May Suit

Construction funding may suit borrowers who:

  • Are building a new home or investment property
  • Want to purchase land and build later
  • Are working with a licensed builder under a fixed price contract
  • Need a structured approach to manage building costs

Lender requirements can vary depending on the type of build, location and borrower profile.

How We Help

At Finance Industries Australia, we guide you through the process from start to finish.

We assist with:

  • Comparing construction loan options across lenders
  • Reviewing your building contract and funding requirements
  • Structuring progress payments and loan terms
  • Managing the application and approval process
  • Supporting you through each stage of the build

We work closely with you, your builder and your lender to help keep everything on track.

Why Use a Broker for Construction Finance

Construction loans can be more complex than standard lending. Working with a broker gives you access to a wider range of options and support throughout the process.

Benefits include:

  • Access to lenders with construction experience
  • Guidance on documentation and approvals
  • Help structuring your loan to suit your build
  • Ongoing support from application through to completion

Ready to Start Your Build

If you are planning a build or development, speak with Finance Industries Australia today to explore your construction funding options and get your project moving.

Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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1300 648 175 info@financeindustries.com.au

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FABIAN RESTAINO (Credit Representative Number 382599) and Finance Industries Australia Pty Ltd (ABN: 81 619 871 788 with Credit Representative Number 500181) are authorised Credit Representatives under Australian Credit Licence 387025.

The information provided is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

Luke Shrewsbury

Finance Broker
Luke has over 15 years experience in Financial Services and has developed a deep understanding of the importance of working with clients to achieve their goals, and ensuring the right frameworks are in place to aid this.
After obtaining a job in credit card defaults and collections in his early 20’s while finishing his studies - Luke felt he could make a real difference to those around him, simply to better understand money, cut through the jargon and make better decisions, so he dedicated himself to learning and practising this throughout his career.

Having worked in a range of roles, this expertise gained and a thorough understanding of the industry and an ability to convey these in a simple, plain English manner, have ensured clients receive first class experience and feel confident in their future.

Luke is committed to his ongoing education, and this ensures clients are kept up to date with industry rules, taxation, and other changes that often occur.
Luke has previously provided financial commentary to News Limited publications such as the Courier Mail, Daily Telegraph and News.com.au.
Outside of work, Luke can be found out and about with his wife, and young daughters, on the water – boating or surfing, or generally keeping active and enjoying everything Queensland has to offer.

George Hawi

Broker
George Hawi is a dedicated finance professional with over 10 years of experience in the finance industry, bringing deep expertise, strategic insight, and a client-first approach to his role at Finance Industries Australia (FIA). Throughout his career, George has worked closely with individuals, families, and businesses to deliver tailored financial solutions that support long-term success.
At FIA, George plays an active role in driving strategic initiatives, strengthening industry partnerships, and enhancing the value delivered to clients and stakeholders. He is passionate about helping clients achieve their goals and is committed to providing clear guidance, structured solutions, and ongoing support throughout their financial journey.
Beyond his professional work, George is actively involved in the community through charity initiatives and fundraising efforts, reflecting his strong belief in giving back and making a meaningful impact.
Outside of work, George enjoys spending quality time with his family, travelling, and staying active in the community. He is a passionate Rugby League fan and a loyal Manly supporter, and on weekends, you’ll often find him watching the UFC with friends.
George Hawi is a Credit Representative 573339 authorised under Australian Credit Licence 387025.
Giuliana Restaino

Giuliana Restaino

Client Support Manager
Giuliana has been in the front line of Management in Client and Customer Liaison for over 25 years.

Working with large corporations and companies, directly in Administration and Customer Service, this is her passion and she is always happy to go over and above for her clients everyday.

As a mother of three beautiful children, life is busy, and time management is of high priority. Giuliana has learnt to prioritise what’s most important and always ensures that the company and people she works with, directly or indirectly, are a big part of her day! You will always know you’re taken care of and have been made a priority with the service that Giuliana projects.
Anne-Marie Tonkin

Anne-Marie Tonkin

Head Broker
As a mother with a mortgage and young family, Anne-Marie connects personally with her clients. Together with her industry knowledge, she understands and appreciates many of her clients’ concerns, ensuring that every step of their financial journey, is as seamless and stress-free as possible.

Anne-Marie is dedicated to breaking old models of thinking, and helping her clients discover many positive possibilities, which they may not have been aware of.

Credit Representative 502467 is authorised under Australian Credit Licence 387025

Fabian Restaino

Principal & Finance Manager
Fabian’s passion for the finance industry spans decades. He has accrued a vast wealth of experience, which he applies today, at Finance Industries Australia. The company’s service offerings have diversified since inception, to provide a comprehensive portfolio of financial advice, enabling clients to save both time, and money.

When not in the office, Fabian can be found actively involved in local community work. He is Chairperson of the Board at Varsity Lakes Community Limited, where many fundraising events are hosted, to build local businesses, charities, as well as support numerous youth education programs.

With Fabian at its helm, FIA is very much dedicated towards providing access to quality financial advice, regardless of age or financial position.

Credit Representative 382599 is authorised under Australian Credit Licence 387025