First home buyers
Pre-approval, government schemes, deposit options and a plan that gets you to the keys with no surprises.
First home buyers Construction & Renovation
Build it once, finance it properly.
Construction loans release money in stages as your build progresses. I'll set up the loan, coordinate progress payments with your builder and keep the lender informed so the build doesn't stall.
How construction finance works
Clear steps, one person, no surprises.
- Land and contract reviewedYour building contract, plans and quote assessed against lender requirements.
- Valuation "as if complete"The lender values the finished home to set the loan.
- Progress paymentsFunds released at each stage, with interest charged only on what has been drawn.
- CompletionFinal inspection, the loan converts to a standard home loan.
What we'll cover.
The details that make the difference, checked before you commit.
- Fixed-price contractsWhat lenders look for in your building contract.
- VariationsHow to fund changes during the build.
- Knockdown rebuildsFinance for demolishing and rebuilding on your land.
- Major renovationsStaged finance for significant structural work.
40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
How are progress payments made?
Your builder invoices at each stage (such as slab, frame, lock-up, fixing and completion), and the lender pays after confirming the work. You usually pay interest only on the amount drawn so far.
Can I get a construction loan for a renovation?
For larger structural renovations, yes. Smaller projects may suit a top-up or equity release instead.
What if the build costs more than quoted?
Lenders generally need you to fund variations yourself or apply for an increase, so it's worth building a buffer into your plan.
Worth a read.
Mortgage basics: how a home loan works
A plain-English guide to how a home loan works: principal, interest, loan term, repayment types, LVR, deposit, fees and the steps to settlement.
Loan-to-value ratio (LVR): what it is and why it matters
What loan-to-value ratio means, how to work it out, why it affects your pricing, LMI and approval, and how a property valuation can change it.
Other home loan help.
Your next home
Upgrading, downsizing or buying before you sell. Bridging and structure options explained before you commit.
Buying your next homeRefinancing
A better rate, an offset account, consolidating debt or releasing equity. I compare the full cost of switching, not just the headline rate.
RefinancingProperty investment
Loan structures that keep investment and personal debt clean, and set you up for the next purchase.
Investment loansTell me what you're planning. I'll be in touch soon.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.