PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
Merrylands · Mortgage broker
Construction finance for Sydney builders and developers
Finance for residential and commercial projects, from duplexes and NDIS-compliant homes to office fit-outs and incomplete builds. Deposits typically start from around 10% to 20%, depending on the lender and the project's scale.
Project lenders judge the builder as much as the build: licence, track record, costings and how the numbers hold if sales or valuations slow. Major banks often step back from smaller or unusual projects, so second-tier and specialist lenders matter here.
| Project type | Examples |
|---|---|
| Residential | New builds, duplexes, NDIS-compliant homes |
| Commercial | Office spaces, retail fit-outs |
| Incomplete builds | Taking over or finishing a stalled project |
| Renovations and extensions | Major works for clients or on your own stock |
| Low doc | Builders without up-to-date financials |
What we do
Builder Construction Loans
For builders and developers funding a project.
What’s included
- A project review: site, approvals, costings, licence, history and exit plan
- Lender match across 35+ banks and second-tier lenders
- Approval with a drawdown schedule that fits the program
- Progress drawdowns at slab, frame and lock-up
- Refinance to a longer-term loan or repayment on sale
Problems we solve
- Major banks stepping back from smaller or unusual projects
- Complex credit histories
- Taking over or finishing a stalled project
- Builders without up-to-date financials
How it works
How we deliver
1
Project reviewsite, approvals, costings, builder's licence and history, exit plan (sale or hold).
2
Lender matchacross 35+ banks and second-tier lenders on project size and risk.
3
Approvalwith a drawdown schedule that fits your build program.
4
Progress drawdowns at each milestonesuch as slab, frame and lock-up, so you pay interest only on funds used.
5
On completionrefinance to a longer-term loan or repay on sale.
Pricing
Honest, up-front pricing
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
Reviews & ratings
Loved by the local community
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Builder Construction Loans lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
How do construction loans work for builders?
With the builder construction loans Mortgage Pass arranges, funds are drawn at milestones such as slab, frame and lock-up, and interest is charged only on what is drawn.
How much deposit do I need?
Typically from around 10% to 20%, Mortgage Pass finds; larger or commercial projects may need more equity.
What do lenders look for in a builder?
Mortgage Pass in Merrylands finds project lenders look at your licence, completed projects, costings, presales and how the numbers hold if values soften. A clear track record and a realistic budget matter more than the headline rate.
Do I need presales?
Some lenders Mortgage Pass works with require them for multi-unit projects; smaller builds often do not.
Can I refinance when the build is finished?
Yes. Mortgage Pass can refinance a finished build to reduce repayments, access equity or move to better terms.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/
- (n.d.). Mortgage & Finance Association of Australia. MFAA. https://www.mfaa.com.au/