Smarter Construction Loans for Modern Home Builders
From the first step to settlement, Diamond Lending streamlines your home loan journey with expert guidance, lender access, and zero guesswork.
Flexible construction loans to build your future, stage by stage.
Whether you’re building your dream home, investing in a new property, or starting from scratch, Diamond Lending connects you with lenders who align with your construction timeline, budget, and long-term goals.
Investment Property Builds
Build-to-invest solutions with flexible interest-only repayment options and financing structures that support future rental income.
Owner-Builders
Tailored construction loans designed for those managing their own home build, with lender support for staged payments and clear documentation guidance.
Knockdown & Rebuild Projects
Loan options made for starting fresh on the same land — ideal for upgrading your home without changing your address.
Constructing a home is an exciting journey when you have the right loan by your side.
Australia’s Trusted Financial Brokerage Firm
At Diamond Lending, we simplify your construction loan process by connecting you with lenders who understand staged payments, builder requirements, and your long-term goals.
How Diamond Lending Simplifies your Construction Loan Process
Whether you’re building on a vacant block or undertaking a major renovation, we help you secure a flexible loan structure that aligns with your timeline and budget.
Building Your Dream From Ground Up
Specialized funding for new home construction with progressive drawdowns and expert project management to ensure your build stays on track and on budget.
✓ Project Assessment: Detailed review of building plans, contracts, and construction timeline for optimal loan structure.
✓ Builder Verification: Thorough vetting of your builder’s credentials, insurance, and construction history.
✓ Progress Documentation: Streamlined collection of council approvals, permits, and construction contracts.
✓ Staged Approval Process: Progressive loan approvals aligned with construction milestones and council inspections.
✓ Drawdown Management: Expert coordination of fund releases at each construction stage to maintain cash flow.
✓ Build Monitoring: Regular progress reviews and site inspections to ensure quality and timeline compliance.
✓ Completion Conversion: Seamless transition from construction to permanent home loan upon project completion.
Popular Questions
What is a construction loan and how does it work?
A construction loan is a progressive loan used to fund a building project. Funds are released in stages (called progress payments) as the construction progresses, based on lender inspections.
How much deposit do I need for a construction loan?
Typically, you’ll need a 10%–20% deposit, but this can vary. We’ll assess your application to ensure the loan is suitable and sustainable based on your financial position.Â
Do I need to own land before applying for a construction loan?
You can apply for a loan to purchase land and build at the same time. However, owning the land outright may improve your borrowing position.Â
Can I make changes to the build after the loan is approved?
It’s possible but may require lender approval and additional valuation. Changes must comply with the loan contract and may impact your loan amount or progress schedule.
Why choose Diamond Lending for a construction loan?
We work with a broad panel of lenders, including flexible and non-bank lenders, to structure a loan suited to your specific project timeline and financial needs.
Have more questions?
We’ll guide you with honest advice and construction loan options that fit your needs and future plans.
