Construction Loans Sydney – Tailored Finance for Builders, Developers & Investors

A construction loan provides funds in stages as your project progresses, covering costs from land purchase to completion. Instead of receiving the full loan upfront, you draw down funds after each milestone, like slab, frame, and lock-up stages. This helps manage cash flow and ensures you only pay interest on the amount used.

A building loan works by financing the cost of constructing a new property. It’s structured with progressive payments, typically made to your builder, based on agreed construction stages. Mortgage Pass ensures your building loan aligns with your timeline, budget, and lender requirements.

We offer a range of construction finance solutions, including loans for NDIS developments, duplex builds, high-rise projects, commercial sites, and incomplete builds. Whether it’s residential or commercial construction, our Sydney-based mortgage brokers match you with the right loan for your project.

Yes! Mortgage Pass has access to alternative lenders who specialise in providing construction loans in Sydney for clients with complex credit histories. We'll assess your situation and recommend lenders who consider factors beyond your credit score.

Deposits for construction loans typically start from around 10–20%, depending on the lender and the project's scale. For larger developments or commercial projects, higher equity may be required. We’ll guide you on what’s needed and find lenders with the most favourable terms.

Absolutely. Refinancing your construction loan in Sydney can reduce your repayments, access equity, or switch to better terms once your build is complete. Mortgage Pass helps you find competitive refinancing solutions tailored to your financial goals.