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Merrylands · Mortgage broker

Home & Land Construction Loans Near Me | NSW

Looking for home & land construction loans near you? Mortgage Pass is based in Merrylands and serves the surrounding NSW area, including Sydney, Burwood, Concord, Holroyd, Homebush, Lidcombe. Call 0455 510 512 or send an enquiry below.

What we do

Home & Land Construction Loans

For owners building, or knocking down and rebuilding.

What’s included

  • A free consultation on your land, contract, plans and budget
  • Lender match on construction policy, drawdown speed and variation handling
  • Approval based on the valuation of the finished home
  • Progress payments at each stage: slab, frame, lock-up, fixing and completion
  • A rate review when the loan switches to regular repayments

Problems we solve

  • Variations mid-build the loan does not cover
  • Slow drawdowns that hold up your builder
  • Combining land and construction in one loan
  • Knock-down rebuilds using your land’s equity
  • Finishing an incomplete build
What we cover

Good to know

Tap any one to read the detail.

Documents

Land contract or title, signed fixed-price building contract, council-approved plans and specifications, builder's insurance, plus your income documents.
How it works

How we deliver

1
Free consultationyour land, contract, plans and budget.
2
Lender matchon construction policy, drawdown speed and variation handling.
3
Approvalbased on the valuation of the finished home.
4
Progress payments at each stagetypically slab, frame, lock-up, fixing and completion, released after the builder's invoice and, where required, an inspection.
5
Completionthe loan switches to regular repayments; we review the rate then.
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

5
Based on 53 Google reviews
553
40
30
20
10
JJ
Joanna Jodeh
google

“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”

Posted on Google · 2026-10-01
SJ
Shorouk Jodeh
google

“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”

Posted on Google · 2026-09-26
LR
Lisa Ralph
google

“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”

Posted on Google · 2026-06-26

Meet your team

Led by people, not a faceless help desk

JJ
Julie Judge
Home & Land Construction Loans lead · Diploma of Finance and Mortgage Broking Management
FAQs

Questions answered

How does construction finance work?
With the construction loans Mortgage Pass arranges, funds are released in stages as work is completed, rather than as one lump sum.
Do I pay interest during the build?
Usually interest-only, on the amount drawn so far, with the construction loans Mortgage Pass arranges.
Can I combine land and construction in one loan?
Often yes. Mortgage Pass can combine land and construction in one loan, which simplifies repayments.
What if the build costs more than the contract?
Variations need funding, and Mortgage Pass plans for them before approval.
Can I refinance during construction?
Some lenders allow it, and Mortgage Pass checks whether it saves you money.
Business information

Mortgage Pass

Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Hours
Plus Code & geo
5X7Q+HH · -33.83602, 150.98890Open map →
Credit licence
Australian Credit Licence 387025

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Find us

Hours, directions and map

  • Address1/219 Merrylands Road
    Merrylands NSW 2160
  • StatusHours
  • Google Plus Code5X7Q+HH
Get directions to Merrylands

Opening hours

Hours
Monday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
ThursdayToday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed

Status: Open today 9:00 am – 6:00 pm

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