Finance to help you build your future.
At Low Credit Finance, we understand that building or renovating a home is one of the biggest milestones in life. Traditional banks can make the process complicated, especially if your financial history isn’t perfect. That’s where we step in.
We work with specialist Australian lenders who provide construction and builder loans designed for people with different credit backgrounds. Whether you’re starting a new build, making major renovations, or finishing an incomplete project, we’ll guide you through your options so you can move forward with confidence.
“From the first brick to the final handover, we help Australians find finance solutions to build their dream homes.”
Our Benefits
Tailored Loan Structures – Options for progress payments, renovations, and new builds.
Support for Different Credit Profiles – Even if your history isn’t perfect, we explore lenders who give fair consideration.
Step-by-Step Guidance – From application to settlement, we explain the process in plain English.
Panel of Specialist Lenders – Access finance options beyond the big banks.
Local, Australian Support – We understand the housing and construction market in Australia.
Have Any Query Feel Free Contact
Builder / Construction Loans
Questions & Answers
What is a construction loan?
A construction loan is a specialised finance product that allows you to draw down funds in stages as your home build or renovation progresses.
Can I apply if I have a low credit score?
Yes, we work with lenders who may still consider your application, even if your credit score isn’t strong.
Do lenders release funds all at once?
No, construction loans are typically released in stages — for example, slab, frame, lock-up, and completion.
Can I refinance a construction loan later?
Yes, once the build is complete, you can often refinance into a standard home loan with more flexible terms.
Are construction loans riskier?
They can be more complex, but with the right lender and guidance, they’re a safe and practical option for managing your build costs.
Build with Confidence
Don’t let finance complexity hold back your dream home or renovation. Speak to our team about construction loan options today.