Home Owners Construction Loans Sydney

Flexible loan solutions for new builds, renovations, knockdown rebuilds and more. Personalised finance to suit your timeline, budget and future plans.

Why Mortgage Pass Is Your Ideal Partner for Home Construction Loans in Sydney

With years of experience in the construction industry, Mortgage Pass is the trusted choice for new builds, knockdown rebuilds, and major renovations. Whether you’re starting fresh or completing an unfinished project, we simplify the process with tailored financial solutions and personal guidance every step of the way.

✅ Specialist Home Construction Loan Expertise
We understand the unique requirements of residential builds. From council approvals to progressive drawdowns, we structure your loan to align with your build timeline and budget.

✅ Access to 35+ Lenders
We partner with a wide panel of major banks and specialist lenders, giving you flexible options—even if you’re self-employed or building on a complex block.

✅ End-to-End Support
From application through to settlement, we guide you through the entire process—coordinating with your builder to keep things running smoothly.

✅ Tailored Finance, No Cookie-Cutter Loans
Every home and homeowner is different. We take time to understand your goals and recommend the right finance solution, not just the fastest one.

✅ Fast, Reliable Approvals
We know delays in funding can stall construction. Our streamlined process helps you move forward quickly and confidently.

Ready to turn your house plans into reality?

New Home Construction Loans

Funding for building your dream home from the ground up.

Knockdown & Rebuild Loans

Finance to tear down your existing home and rebuild fresh on the same land.

Owner-Builder Loans

Custom finance options if you're managing the construction yourself.

Renovation & Extension Loans

Upgrade, extend or add value to your existing property.

Incomplete Build Finance

Picked up a stalled or unfinished build? We can help get it back on track.

Low Doc Construction Loans

Ideal for self-employed homeowners or those with complex income structures.

Why Homeowners Trust Mortgage Pass with Construction Loans

Homeowner Construction Loan Solutions That Support Every Step of Your Build

At Mortgage Pass, we specialise in helping Sydney homeowners fund their dream builds—whether you’re planning a brand-new home, tackling a major renovation, or need support completing an unfinished project. With expert guidance and access to 35+ lenders, we make financing your home construction simple, strategic, and stress-free.

Solutions for New Home Builds & Knockdown Rebuilds
Building your dream home from the ground up? We help you secure the right loan structure from day one, with flexible drawdown schedules, staged payment plans, and personalised advice so your finance aligns with your build timeline and budget.

Major Renovations & Extensions
Adding a second storey, expanding your living space, or transforming your kitchen? We provide funding options tailored to large-scale renovations that increase the value and functionality of your home.

Incomplete Construction? We’ll Help You Finish Strong
If your project has stalled or you’re taking over a half-built home, we’re here to help. Our panel of lenders understands the complexity of unfinished builds and offers tailored solutions to get your construction back on track—without starting over.

✅ Expert support from application to settlement
✅ Flexible finance options for all types of homeowners
✅ Personalised strategy to suit your lifestyle, income, and goals

Frequently Missed Opportunities in Construction Finance

Most homeowners don’t realise how flexible construction finance can be. With the right broker:

You may qualify for interest-only repayments during construction
You can release funds in stages rather than one lump sum
You may be able to refinance mid-build to a better lender if things change
You can combine land + construction into one streamlined loan

We’ll walk you through these options and help you get the best outcome possible.

Ready to Power Your Business Forward?

Funding your next big project, we’re here to make the process simple. At Mortgage Pass, we specialise in supporting homeowners with construction finance solutions that keep your project moving.

Here’s how it works:
1️⃣ Book your free consultation with Julie, your trusted Sydney business loan broker.
2️⃣ Complete a guided online application – fast, easy, and tailored to your needs.
3️⃣ Receive a clear finance strategy with lender options, rates, repayments, and next steps.

✔️ Simple.
✔️ Personalised.
✔️ Designed to build your home.