Land and Construction Loans
Land And Construction Loan
Build with confidence using the right finance
At Aussie Gateway Mortgages, we provide tailored land and construction loan solutions for clients across Melbourne and regional Victoria. Whether you are buying vacant land to build your home, completing a house and land package, or undertaking a residential development, we help you structure finance that supports your project – arranging finance for land and construction purchases.
As an experienced mortgage broker in Melbourne, we compare construction loans from a wide panel of lenders and guide you through every stage of the process — from pre-approval through to the final progress payment.
Who We Help
Whether your build is with a volume builder or a custom-designed project, we structure the loan to match your timeline and goals.
We support a wide range of clients with tailored construction finance, including:
- First home buyers building with government grant support
- Families upgrading with a knockdown-rebuild
- Investors developing dual occupancy or townhouses
- Owner-builders managing their own construction
- Clients securing house and land packages
- Borrowers combining land purchase and build in one contract
Our Process: Construction Loan Specialists in Melbourne
Step 1
Personal Consultation and Planning
We start with a detailed discussion about your land purchase, building plans, timeframe, and budget. As a local mortgage broker in Melbourne, we understand the regional nuances of property finance and zoning regulations.
Step 2
Compare Construction Loan Options
We research loan options from over 30 lenders to find one that suits your needs. We assess interest rates, drawdown schedules, loan features, and policies around builders, valuations, and land titles.
Step 3
Pre-Approval and Loan Structuring
We secure pre-approval for the combined land and construction amount (or land-only if staged). We guide you through documentation requirements including building contracts, plans, permits, and builder insurance.
Step 4
Progress Payments and Settlement
Once construction begins, we liaise with your builder and lender to ensure smooth release of funds at each stage. We support you through to final completion, ensuring compliance with the lender’s drawdown process.
Can I buy the land first and build later
Yes. Many clients choose to purchase land and delay the construction component. We can help you secure land-only finance now, and construction finance later, or structure a combined loan upfront depending on your strategy.
What if I am building through a custom or boutique builder
That is no problem. We work with lenders who accept custom and architect-designed homes. We ensure the builder contract and progress payment schedule meet lender guidelines.
Is asset finance tax deductible?
For business clients, certain finance structures such as chattel mortgages may allow interest and depreciation claims. We recommend discussing this with your accountant, and we will help structure the loan accordingly.
Why Choose Aussie Gateway Mortgages
We are a trusted mortgage broker in Melbourne, specialising in land and construction finance. We help you access relevant grants such as the First Home Owner Grant (FHOG) and First Home Guarantee. We understand local council requirements, subdivision issues, and building timelines. We provide support beyond settlement — including future refinancing, equity release, or investment planning. We take the complexity out of staged finance with personal guidance at every stage Our role is not just to secure the loan, but to ensure the structure suits your life and future goals.
Our services relate solely to arranging finance for land and construction purchases. We do not provide advice on zoning, planning approvals, or construction management. Please seek appropriate professional advice for these matters.