Finance Your Dream Build
Building your dream home requires a specialised loan structure. Dahiya Mortgage & Finance helps clients across Frankston, Mornington Peninsula, and Melbourne's south-east navigate construction lending with progressive drawdown facilities, competitive rates, and expert guidance through every build stage.
Key Benefits
Our Construction Loans Process
Construction loans work differently from standard home loans. Instead of receiving the full amount upfront, funds are released in stages as your build progresses. You only pay interest on the amount drawn, keeping costs manageable during construction.
We work with your builder to understand the construction timeline and ensure finance is structured to match. From land purchase through to the final handover, we coordinate payments and keep your build on track financially.
Stage Payments
We manage progressive drawdowns aligned with your builder's payment schedule.
Land + Build
Combined land purchase and construction finance in a single, streamlined loan.
Builder Assessment
We review your building contract to ensure it meets lender requirements.
Completion Transition
Seamless conversion from construction loan to standard home loan upon completion.
Construction Loans Across Melbourne
Frequently Asked Questions
Funds are released in stages — typically slab, frame, lock-up, fit-out, and completion. Your builder invoices at each stage, and we coordinate with the lender for prompt payment.
Yes, though fewer lenders offer owner-builder loans and requirements are stricter. We have access to lenders that specialise in owner-builder finance.
You'll need council-approved plans and a signed building contract for full approval, but we can arrange pre-approval while you're still in the planning stages.
Planning to build? Let us structure your construction finance.
Speak with Sunil Dahiya and the team. No obligations, just honest advice.