Build with confidence,
from land to lock-up.
Construction finance has more moving parts than a standard loan. We structure it, manage every drawdown, and stay across the build with you, so the funding is there when the builder needs it.
We manage every drawdown stage, from slab to completion
Built for complex, self-employed and trust-based income
Structuring across multiple properties and projects
Based on 250+ reviews
The Adviser Elite Broker 2024 & 2025
We compare your rates with 50+ lenders
Why Stryve for your build
Construction Finance, Handled End To End
A construction loan isn't a single approval. It's a sequence of staged drawdowns released as your build hits each milestone, from slab to frame to lock-up to completion. Get the structure wrong and the consequences land at the worst time: a drawdown stalls, your builder isn't paid, and the whole project waits on the bank.
We set it up correctly from day one and manage every release for you, so funding keeps pace with the build instead of holding it up. Whether it's your first build or your fifth across a growing portfolio, you deal with one team that knows the file end to end.
Every stage managed
Each scheduled drawdown from slab to completion, not just the first approval.
Complex income, sorted
Self-employed, company and trust structures are our normal, not an exception.
Built around your portfolio
Structured across multiple properties and projects, not a single loan in isolation.
Our 5-Stage Construction Loan Process
A construction loan releases in stages as your build progresses, not all at once. Each release is tied to a milestone and signed off before funds flow. We've guided clients through builds of every size, and we manage each stage with the lender so you don't have to.
From land to keys, we're across every drawdown, so funding keeps pace with the build.
01
Structure
Before a brick is laid, we set the loan up correctly, confirming your borrowing position, land component, and total build cost so the funding is right from day one.
02
Land settlement
If you're buying the block, the first drawdown settles the land. We coordinate with the lender and your conveyancer so this step doesn't hold up the build start.
03
Progressive drawdowns
As construction hits each milestone (slab, frame, lock-up, fit-out) the lender releases the next payment. We manage each request and the valuations behind them, so your builder is paid on time at every stage.
04
Completion
At the final stage the last drawdown is released and the build is signed off. We make sure the final inspection and payment line up so there's no gap between finishing and moving in.
05
Settle into your loan
Once the build is complete, your loan typically converts to a standard mortgage. We review the structure with you and check it still fits, especially if it's one of several across your portfolio.
How construction finance works in your favour
You approve every drawdown
Funds release in stages tied to each build phase, and only once you've signed off on the inclusions and quality of work. You stay in control of what gets paid, when.
Interest only on what you've drawn
You pay interest only on funds released so far, not the full loan, and typically interest-only until completion. Your repayments grow with the build, not ahead of it.
Potential duty & grant savings
Building can attract lower stamp duty than buying established, plus first-build grants or concessions in some states. We'll confirm what applies to your situation.
Lender-vetted builders only
Because lenders require licensing and insurance before releasing funds, and payments only flow after each stage is verified complete, you're protected from unqualified work.
Why Business Owners Choose Stryve
Banks often put self-employed applicants in the "too hard" basket. We specialize in them.
Complex income, understood
Income held in trusts, retained earnings, or reinvested in the company. We know how to present your full picture to lenders.
Alternative documentation
No up-to-date tax returns? We work with lenders who accept BAS, business bank statements, or an accountant's letter.
Lenders beyond the banks
Direct access to private and non-bank commercial lenders with flexible terms you won't find on the high street.
Get expert advice for your build
Let's structure the right finance for your construction project.
Book a strategy callWhat our customers
say about us
“The team were fast and professional. Got the loan we wanted with little fuss. Recommend them for sure”
Lance Lucas
Google review, 07 Oct 2025
“I’m not sure how the experience would be as FHB if I had done it myself. Dylan is super helpful and very knowledgeable. He proactively reached out to me or any other parties if we were stuck in some limbo. He would catch any issues/mistakes made in application. The whole process was very seamless and stress less. Highly recommend their service.”
Kushal Nepali
Google review, 01 Oct 2025
“High quality team and sensational communication”
Jeff Lee
Google review, 24 Sept 2025
“Dylan was amazing to deal with. We had to move quickly on a house and he got the job done. No task was too hard, and he had a great attitude throughout the whole process. Would highly recommend working with him”
Trent Broussard
Google review, 23 Sept 2025
“Dylan & Marko are fantastic. They helped me with my home loan & investment loans. They were very helpful right from the start until finish & they made the whole process stress free. They are accessible anytime you need them. They are both knowledgeable & professional. They looked after their clients really well. I am happy to recommend them to others. I am very satisfied with their service. If anyone needs broker, they are the best to work with.”
Erleen Riosa
Google review, 21 Sept 2025
“Dylan and Marko at Stryve Finance were fantastic to work with. They helped us with our home loan and made the whole process smooth and stress-free. Their support, knowledge, and guidance were outstanding from start to finish. We’re really happy with the service and would definitely recommend them to anyone looking for finance advice.”
Aaron Messina
Google review, 18 Sept 2025
“It has been a pleasure working with Nate, Dylan and Marko from the Stryve team. They have helped me with a loan refinance, equity release and pre-approval and were absolutely committed to ensuring a positive outcome, even as our personal situation changed. They are excellent with commutation and very knowledgeable brokers. Can't recommend them enough!”
Jesse Hill
Google review, 11 Sept 2025
Frequently asked questions
When you take out a construction loan, you’re effectively taking out two parts: one for the land, and one for the construction costs.
The lender will want evidence you have the funds to purchase the land, along with detailed plans and specifications for the project. They’ll also want your builder’s fixed-price quote so they can confirm the total cost of construction won’t exceed the loan, and funds are then released in stages as each phase of the build is completed.
