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Home Loans

Construction loans that build your dream

Building your dream home? You’ll get more than finance when you partner with us. We have deep insights into government grants and the skill of finding the right construction loans.
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Couple holding hands inside their new home under construction

Unlock your dream home with a construction loan

Always wanted to build a forever home or the right investment opportunity?
Every Australian deserves a fair chance at making their homeownership dream come alive. At Stanford Financial, we’re committed to helping you achieve just that.

For those taking their first steps into the world of construction, the journey can appear complicated. But with our construction loan services, we make things crystal clear and guide you with transparency and expertise.
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More than just a loan provider

A partner that goes above and beyond for your goals.
Stanford Financial is about forging long-term relationships, not mere transactions. We ensure that every client feels like a valued member of our community. By choosing to start your construction journey with us, you’re selecting a partner that’s invested in creating life-enriching outcomes.

From understanding government concessions to guiding you through progress payments, our team has been through it all, ensuring you get the best of our combined knowledge and experience.
Let's get started
Two people working on a new house build in a rural setting
Smiling engineer in a high visibility vest on a Queensland build site

Why a construction loan?

Individually curated solution for every Aussie dream.
Every construction project is unique, and we understand that. That’s why we offer individually curated finance solutions tailored to your needs.

Our dedicated team is continuously working to improve our products, systems and services, ensuring the highest quality experience for our clients. And with our close relationships with over 60 lenders nationwide, you’re guaranteed a construction loan solution that fits.
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Looking for a different type of home loan?

If you need a different loan, we've probably got it covered. Whether you're refinancing, investing, upgrading or building, there's a path for that below. Or call 0483 980 002 and we'll point you the right way.

First home buyer loan

Refinancing loan

Investment loan

Seperation loan

Bad credit loan

Low deposit loan

Home reno loan

Other loans

Specialist loans

OUR ACCREDITED NETWORK

With access to 60+ banks and lenders, we ensure that you get the best options.

More options mean a better deal. We compare across the panel so you land the right loan, not just the easy one.
More than just a broker

Building a house could be more achievable than you thought.

A construction loan works differently to a standard home loan, with funds released in stages as the build progresses rather than all at once. That can feel confusing if nobody's walked you through it before, but it doesn't have to be complicated. We'll explain how the drawdowns work, what a lender will want to see from your builder, and how to structure the loan so you're not caught paying for a finished house before it exists.
House being built on a Brisbane site funded by a construction loan
$1.2B+
Settled Home Loans
60+
Banks & Lenders Accessible
4.3K+
Aussie Families Assisted
5 Stars
On Google Reviews

Meet your expert mortgage broker team

Logan Stanford, Managing Director and founder of Stanford Financial

Logan Stanford

Managing Director
Steven Beach, Lending Director at Stanford Financial

Steven Beach

Lending Director
Richard Grainger, Senior Lending Adviser at Stanford Financial

Richard Grainger (Richie)

Senior Lending Adviser
Sheree Pendergast, Lending Support Manager at Stanford Financial

Sheree Pendergast

Lending Support Manager
Renata Small, Client Experience Manager at Stanford Financial

Renata Small

Client Experience Manager
Mitchell White, Lending Support Manager at Stanford Financial

Mitchell White (Mitch)

Lending Support Manager
TESTIMONIALS

Trusted by families across Australia

We understand how construction loans actually work, from drawdown schedules to what lenders need from your builder before releasing funds. That means fewer surprises during the build and a loan structured properly from the start.
"I simply can’t thank and commend Richie, Steven, Renata and the whole team at Stanford Financial enough for making my mortgage refinance as smooth as humanly possible."
Client testimonial profile photo
Dan
Stanford Financial Client
"We are so Blessed with our new Home. Thanks to Stanford Legal, Laura was a joy to communicate with anytime we needed to enquire. Quick, reliable and very Trustworthy."
Stanford Financial client Katrina Emberson
Katrina Emberson
Stanford Legal Client
"We are beyond grateful for Richie and the team at Stanford! 🙌🏻 Through every hurdle and challenge, they went exceptionally far to help get our application through."
Stanford Financial client Khristen Mamangun
Khirsten Mamangun
Stanford Financial Client
"One thing I always love and look for when choosing people to guide me is how much time and presence they give. They treated us like we were the only client they had."
Stanford Financial client Dragica Radosavljevic
Dragica Radosavljevic
Stanford Legal Client
"All the team at Stanford were good to deal with. If you're a Veteran struggling to get a loan approved because you're on Incaps, or Super, speak to them."
Stanford Financial client Stewart
Stewart S
Stanford Financial Client
"This is the second time we’ve used stanford financial, and once again the experience was outstanding."
Stanford Financial client Blake Whitehead
Blake Whitehead
Stanford Financial Client
"Phenomenal service. Thank you to the Stanford Legal team for all your help & guidance."
Stanford Financial client Bryony Winsor
Bryony Winsor
Stanford Legal Client
"I can’t recommend Stanford legal enough. All 3 property sales have been seamless, professional and efficient. The team are amazing and will look after you."
Stanford Financial client Christie Johnston
Christie Johnston
Stanford Legal Client
"The team at Stanford Financial are brilliant! I was referred to them by a friend and dealing with them has been a fantastic experience."
Stanford Financial client Andrew Bell
Andrew Bell
Stanford Financial Client
"I honestly can't thank the team enough at Stanford Financial, especially Richie and Mitch! They both went above and beyond to get my finance sorted, and they did it all within 24 hours!"
Stanford Financial client Jamie Harris
Jamie Harris
Stanfor Financial Client

Our awards

MFAA 2023 State Winner, Community Champion Award
MFAA 2023 State Finalist, Finance Broker Business Award
MFAA 2023 State Finalist, Diversified Business Award
MFAA 2023 State Finalist, Customer Service Business Award
MFAA 2022 National Winner, Diversified Business Award
MFAA 2022 National Winner, Newcomer Award
MFAA 2022 State Finalist, Finance Broker Business Award
MFAA 2022 State Finalist, Customer Service Individual Award
MFAA 2022 State Finalist, Young Professional Award
MFAA 2022 State Finalist, Loan Administrator Award
QUESTIONS

Frequently asked questions

Can't find an answer to your question?
Book a call
How does a construction home loan work?
Instead of providing the full loan amount at once, the lender releases funds in increments (progress payments) to cover each stage of the construction. This helps manage costs and ensures funds are available as needed.
What documents do I need to apply for a construction home loan?
Required documents typically include proof of income, builder’s contract, building plans, and council-approved building permits.
Is it possible to include land purchase in the construction loan?
Yes, many construction loans allow you to include the land purchase as part of the loan, which can be convenient for those who are buying a new lot for their build.
Do you help clients find construction loans Australia-wide?
For those planning major builds or renovations, our mortgage brokers offer construction loans Australia-wide. We provide expert financial guidance and tailored loan options to help turn your construction plans into reality, no matter your location.

Ready to talk about your next move?

Whether you're buying your first home, refinancing, or building a portfolio, our team is ready to guide you on your journey.
0483 980 002
Book a consultation