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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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Stephen

1 year ago

Hello Amanda, A couple of points. 1/ The loan for the land and the construction must be with the same lender. 2/ If the land is registered and settlement is imminent, we'll need to move quickly on getting the land loan approved and in place for that settlement. 3/ Depending on how far advanced you are with choosing a builder & home design, we can either get the construction loan approved or obtain an approval in principal for an amount that is sufficient to cover the build cost. I have had 5 homes built for myself (3 to live in and 2 for investment) over the years and not only assist clients with putting funding in place, but also advise on the home design to ensure a great outcome. Only last week, I sent off a list of 7 items to a client for them to refer back to their builder for minor amendments to the design. Simple things like the positioning of light switches can make a big difference to the final outcome. Fell free to get in touch.

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Glenn

1 year ago

Hi Amanda, I hope you're well? Thank you for your question and well done for starting your journey into property ownership and the Australian dream. I have access to over 40 lenders and I can assist you in finding a suitable lender for your needs and to let me help you to find these suitable lenders, please get in touch with me though my broker profile and I can discuss and start the process? I have clients all over Australia and all of my clients are pleased with the service I provide and this isn't just mortgages or home loans. I look forward to hearing from you? Kindest Regards. Glenn Rowan

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LEZLI

1 year ago

Hi Amanda - have special offer rate of 4.19% for construction, owner occupied & 3.69% fixed for 2 years to buy the land, with 100% full offset. Can then fix after construction completed. look forward to talking to you - via my Profile Page. Kindest regards. Lezli

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Carla

1 year ago

Hi Amanda, that is exciting that you are purchasing land to build your home on! Building a home can be a stressful process so it makes sense to make sure your home loan is structured correctly to minimise any stress. Some more information regarding your current financial situation and the timing of building your home needs to be considered to determine the best way forward for you. For example, if you are a first home buyer you could potentially be eligible for the First Home Owners Grant. You could also possibly be eligible for stamp duty concessions on the purchase of the land. There are several lenders that provide finance for construction loans and their products can vary slightly, it is a good idea to review your requirements to select the most appropriate product for you. I would be very happy to guide you through this process.

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Kasra Kevin

1 year ago

Hi Amanda, I am specialized in construction loans. Will be happy to discuss more and give you more information. Please contact me by clicking on my profile...

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kelvin

1 year ago

Hi Amanda, FYI - the best servicing for a new construction loan is putting in an application with both land and the build contract. With this lenders dont take into account board or rent in servicing the loan. Lender choice depends on borrowing and some lenders have IO rates higher during construction. Happy to review options.

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Michael

1 year ago

Hi Amanda, I service clients all over Sydney. Construction loans have many similarities to a normal home loan but are also unique in some ways. Happy to discuss more. Thanks Michael

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Mitch

1 year ago

Hi Amanda, congratulations on taking your first steps towards your new home. I'm looking after clients in your situation all the time. There's a lot of information you'll need about construction lending and basically the whole process so you'll need someone with experience to guide you on your journey. Click on my profile link and I'll be more than happy to help!

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