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Building an investment property

If you’ve decided to build your investment property, congratulations! We’re here to help. can take the stress out of financing your building or renovations for your investment property with our low rates and easy online application.

From streamlined packages to fully-featured loans, you’ll find a low rate investment construction loan that’s perfect for you.

Ready to build your investment property? is here to help you get your finance sorted so you can build your investment property.

There are a few benefits to building your investment property instead of purchasing an established property to rent out. Firstly, you’ll have the freedom to build a home that suits the market. Sometimes, depending on the area, building can even be cheaper than buying an existing property. There are also potential tax deductions you claim on new builds for an investment property, such as deductions on building depreciation.

The process from application to settlement is completely online, over the phone and email, but at every step of the way, you’ll talk to a real person to help you through.

No matter if this is the first time you’ve built an investment property or you’re a seasoned expert, we’re here to help.

Loans for building a house

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Green Construction Investor
  • 2.59%
    discount var rate p.a.++
  • 2.90%
    comparison rate p.a.*

Low rate construction loan with added benefits for investors.

Why build with


Low investment construction rates

We offer some of the lowest construction rates in Australia, plus we even offer a discount for on your construction loan for your investment property if the home you build complies to a certain environmental standard based on the Nationwide House Energy Rating Scheme (NatHERS).


Australian based support team

We have an experienced, Australian-based team here to help you. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists, and we can help as little or as much as you like from applying for your loan, to settling and building your investment property, and beyond.


Easy application & Quick approval

We know building a home can have its stressful moments, so we’re here to help make the finance process as simple as possible. You can find out if you pre-qualify for our Investment Construction Loan in just minutes. The application process is simple, online, and we can help at a time that suits you via Live Chat or through our app onTrack, or by calling your lending specialist.


No ongoing fees

At, we don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on the build and renting out your investment property.


Option to add an offset

After the construction period, you have the option to add an offset sub-account with unlimited redraws so you can save on interest and potentially shave time off your home loan.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement, build and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Our Construction Process makes borrowing to build simple. Go from application to settlement in a few steps. Here's how.


Apply online


Use onTrack to upload your documents




Fund construction in 6 separate stages

Common construction loan questions

To apply for this loan, you’ll need to have:
  • Finalised the purchase of your land
  • Selected a licensed Master Builder
  • Building plans
  • Copy of the fixed HIA/MBA Building contract
The rate is higher during construction due to the associated risks. Once construction has completed, your rate will roll over to a lower variable rate.
With the completion of each stage of your renovation or build, we’ll arrange an inspection of the property and then pay the builder directly for the completed work. Each progress payment is called a drawdown.

The number of drawdowns will depend on the agreement between you, your builders, and your lender. Loan repayments in constructions loan are interest-only but once the entire renovation is completed, the construction loan will revert to principal & interest repayments, unless you request to extend the interest-only period.
The 6 construction stages are:
  • Deposit
  • Slab down
  • Frame up complete
  • Lock-up
  • Fixing
  • Practical completion

A progress inspection will be carried out by an independent valuer for each building stage. Once your builder sends the invoice to us, a progress inspection will be ordered.
Yes, you may be eligible for our construction loan if you are completing extensive renovations to your existing property.
Simply fill out your application online by entering some of your details here

After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan.

In the onTrack app, you can track the progress of your application. For more information for documents required for a construction loan:
What documents do I need to buy or build a home in Australia?
A property report is helpful if you’re looking to build a property as it can help determine the right area to build in.

Our property reports provide information such as Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
You can get your dream home at a great low home loan rate because of our online model. We have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for a build:
What documents do I need to buy or build a home in Australia?
After the construction is complete, you have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. More information on adding an offset here.

Get started

Ready to build your investment property? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner and start the build.


Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you.


Ready to apply?

Call 13 10 90 or select “Apply Now” to begin your online Investment Construction Loan application.

Get free suburb insights

To help you decide where to build the perfect home, we’d like to give you a free Comparative Market Analysis report giving you information about the area you’re buying in and sale prices in the area.


Properties sold in the area

You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.


Market comparison

Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.


Median sale prices in the area

The median sale price for homes in the area and how it has changed each month in recent years.


Suburb insight

Information about the suburb's demographics, such as household occupancy, household income and household structure.

Useful Resources


Guide to building an investment property

Most people have questions as they start on the building an investment property journey, so we have pulled together some articles to help you.

From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here.

How it works - Home Loans - Build
Building an investment property

We'll go over the pros and cons of buying vs building an investment property and how you can get the right loan when you're ready to begin construction.

Building an investment property

Are you building your next investment property from the ground up? Try to keep the following seven things in mind.

Building an investment property

Should you build a house, apartment or townhouse? Find out which type of property best suits your investment goals.

Building an investment property

Stages may differ from lender to lender, but these are the common stages of building a house.

Got a question? We can help


Chat online now

Send us a message via Live Chat and we’ll get back to you instantly.


Talk to a home lending specialist

Our experienced lending specialists can answer any questions you have on our construction loans, the different phases of construction or renovation, or even the investment loan application process.

TAP to chat!