Construction

Building a new home or investment property is an exciting opportunity, but it also comes with unique financial considerations. At Ladder, we’re here to help you navigate construction loans and ensure your finance is structured to support every stage of the build. Whether you're planning your dream home or developing an investment project, we’ll work with you to understand your goals, explore your borrowing options, and coordinate with your builder and lender to keep everything on track. With the right guidance, your vision can become a reality, backed by a finance solution that fits. 

1. Initial Chat & Understanding Your Goals

We begin by discussing your construction plans, budget, and financial goals to understand your unique needs. This helps us recommend the right loan structure to support your build journey.

2. Gather Information & Documents

We’ll collect important documents including your income details, savings, existing debts, and building contracts or plans. This allows us to assess your borrowing capacity and prepare your loan application accurately.

3. Loan Options & Application Submission

Once we understand your financial situation and build requirements, we compare loan & lender options which best suit your financial position and construction project. We explain these options clearly before submitting your construction loan application. 

4. Conditional Approval & Build Preparation

With conditional approval secured, you can proceed with finalising contracts and coordinating with your builder. We’ll liaise with your lawyer and lender to ensure your documentation is in place for settlement and the build to start. 

5. Drawdown Management & Loan Structure Review

As construction progresses, funds are released in stages (drawdowns). We manage these disbursements closely and review your loan structure to ensure it continues to meet your financial goals throughout the build.

6. Completion & Post-Build Support

Once construction is complete we assist with restructuring the to a standard mortgage to save you on interest cost.  
We then provide ongoing support, helping you review your loan regularly and explore opportunities to optimize your mortgage as your circumstances evolve.