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home under construction with scaffolding on the exterior

Home Construction Loans

Unlock the Door to Your Dream Home with Home Construction Financing

Home Building Loans Made Simple & Stress Free

Looking to build or renovate your own home and need to explore financing options? At CJG Finance our expert construction loan broker can help you smooth the path from blueprint to property completion and find the right finance solution for your needs. Whether you're doing major renovations on an existing property or building the house of your dreams from scratch, we can help you find home construction financing that makes those dreams become a reality.

Begin Your Build with Confidence

Our knowledge of the finance market means we can help you navigate the options you have available including your borrowing power and the loan products that offer the best solutions for your needs.


Expert Guidance

Navigating construction finance can be complex. Our expert construction loan broker will bring expertise and clarity to the process, ensuring you understand each step and requirement.

Tailored Solutions

Every construction project is unique. A CJG Finance broker can tailor a loan to suit your specific needs, helping you save time and money.

Streamlined Process

We handle the complexities of loan coordination and administration, providing a seamless link between you, the builders and your lender.

Find Suitable Rates and Terms

With access to a wide range of lenders, CJG Finance brokers can secure competitive rates and favourable terms, making your home construction project more affordable.

Choose CJG Finance and let our dedicated home construction loan broker help you lay the first stone of your new home with confidence. From securing the optimal loan package to managing payments and transitioning to a mortgage, we're with you every step of the way.


Ready to turn your blueprint into reality? Contact us today to find out how we can help build your future.

architects and builders involved in home construction finance

What Are Home Construction Loans?

Home construction loans are short-term financing solutions used to cover the cost of building a new home or undertaking significant renovations. Unlike traditional home loans, these are disbursed in staged payments, aligned with key milestones in your construction project. This means you only pay interest on the amount drawn down, not the total loan commitment, optimising your cash flow and minimising interest costs.

How Home Construction Financing Works

Home construction financing can be more complicated than a regular home loan based on the number of stakeholders involved. You’ll likely be working with architects, builders, tradies, surveyors, project managers, solicitors and the local council. That’s why it helps to have someone in your corner to help find the right construction financing solution and understand the process and paperwork involved in obtaining a home building loan. The key stages in the finance process include:

Step 1: Pre-Approval

Start your build on solid ground with pre-approval. Understand exactly how much you can borrow and what your budget for construction will be.

Step 2: Stages of Loan Release

Funds from a construction loan are released in phases as the building progresses:
(Typical fixed price building contract)


  • Base: Covers the initial and foundational works.

  • Frame: Ensures the structure is sound and secured.

  • Enclosed: Windows, doors, and the roof are installed to secure the building.

  • Fixing: Electrical wiring, plumbing, cabinets, and tiles are fitted.

  • Practical Completion: Final touches before the keys are handed over.

Step 3: Inspection and Verification

Each stage payment is subject to inspection to ensure construction meets predefined specifications and quality standards. This requirement does vary between lenders.

Step 4: Transition to Permanent Financing

Upon completion, your construction loan can be converted into a permanent mortgage, simplifying the transition from builder to homeowner.

Why Choose CJG To Help Secure Your Home Construction Loan?

With years of experience working in the finance industry, we understand the way banks and lenders operate and we aim to make the process of securing home construction finance simple and stress-free.  


With access to a panel of over 30 lenders, CJG Finance will negotiate on your behalf, with a goal of securing you a lower interest rate, suitable lending conditions and a favourable outcome. 


Our personal approach and commitment to customer satisfaction is what sets us above the rest and we are truly passionate about what we do. We pride ourselves on our ability to go above and beyond to ensure we find the best possible financial solution to suit your individual needs. Remember - we work for you, not for the banks.

Professional and efficient

Our finance brokers always strives to deliver great customer service, responding quickly, professionally and efficiently and keeping you informed at all stages of the process, from the initial meeting to settlement and beyond.

More than a mortgage broker

We see ourselves as more than just your finance or mortgage broker. We take a holistic approach, exploring multiple finance options on your behalf and becoming your expert industry partners.

Industry experts

With years of industry experience and a diverse lending background, we are industry experts working with a range of clients from individual through to large corporate customers.

In your corner

We work for you, not the bank which means we are always in your corner, finding the best rates and loan terms, negotiating great deals, saving you time and money and taking the hassle out of the application process.

Relationship driven

Our home construction loan specialist is relationship driven with the aim of building a long term relationship and becoming one of your trusted advisors, there to support you to achieve your financial goals.

Deliver great results

We strive for the best possible outcomes, meeting required deadlines. Our aim is always to deliver great results for our clients and we're proud to have  5 star customer feedback!

I need an

A Home Loan Specialist & Mortgage Broker You Can Trust.

I need

Finance To Support Your Next Property Development Project.

What Are The Benefits Of Working With A Finance Broker?

Working with a finance broker brings so many benefits including:

  1. Access to a wider range of lenders and loan products: Finance brokers have relationships with many different lenders and can help you find a loan that is tailored to your specific needs and financial situation.

  2. Expertise and experience: Finance brokers have a deep understanding of the lending market and can guide you through the loan application process, answering any questions and addressing any concerns you may have.

  3. Time-saving: Working with a finance broker can save you time and effort, as they handle the bulk of the loan application process for you.

  4. Better loan terms: Finance brokers have the negotiating power to help you secure more favorable loan terms, such as lower interest rates or better repayment terms.

  5. Convenience: Finance brokers can complete the loan application process on your behalf, meaning you don't have to deal with the hassle of completing applications, gathering documentation, and following up with lenders.

Brisbane Finance Broker.jpg

Testimonials For Our Construction Finance Broker



Managing Director Colin Green has been in the finance industry since 2008, over this time he has acquired a wealth of industry knowledge and experience assisting commercial customers. Passionate about connecting with his customers on a personal level, Colin understands relationships are key to a successful partnership.

He prides himself on being reliable, responsive and a “real go getter”, ensuring you are well informed from start to finish and beyond.

Working with clients across a diverse range of sectors, no customer is too big or too small and Colin has the skills and expertise to secure the right finance option for you or your business.

Outside of finance he keeps busy chasing his two young sons around, supporting his not so successful NRL team (not to be disclosed) and exploring the coast with his wife.

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