Construction Loans

Home > Services > Residential Property Finance > Construction Loans

At MAVV Finance Group, we help clients structure construction loans with a clear focus on timing, cash flow, and project success. Whether you are building a new home, undertaking a major renovation, or completing an investment build, we assess your full financial position to ensure your loan is structured to support each stage of construction.

We work with a broad panel of lenders to secure competitive options, manage progress payment requirements, and guide you through the construction process from approval through to completion with clarity and confidence.

Construction Loan

Construction lending requires a different approach to standard home loans, with progress payments, tighter lending criteria, and careful cash flow management. MAVV Finance Group guides you through the construction process from approval through to final completion.

We work closely with lenders to ensure your loan is structured correctly for staged payments and timelines, while helping you understand each step of the drawdown process. Our role is to minimise delays, manage complexity, and ensure your construction loan supports a smooth build and a strong financial outcome.

Who is Construction Loan for ?

Construction loans are tailored for builds, with funds released in stages to match your construction timeline. This ensures your project stays funded from start to completion.

• Homeowners building a new property or undertaking a major renovation
• Owner-builders managing their own construction project
• Property investors developing residential builds such as duplexes or townhouses
• Clients purchasing land and building a new home
• Borrowers working with builders on fixed-price or progress payment contracts

Why Choose MAVV?

Strategic lending solutions designed to support growth, cash flow, and long-term wealth.

01. Strategy Focused, First

We structure construction loans with a long-term view, considering cash flow, scalability, and future borrowing power, not just today’s rate or approval.

02. Lender Options That Match the Project

Construction lending is not one-size-fits-all. We compare a wide panel of lenders to find solutions that suit your build, timeline, and investment strategy.

03. Clear Advice Through Complex Lending

From progress payments to rental income assessments, we break down complex lending structures into clear, practical guidance so you can make informed decisions with confidence.

04. End-to-End Project Support

We manage the process from initial strategy through approvals, progress draws, and settlement, helping reduce delays and keeping your project moving smoothly.

CONSTRUCTION FAQS

How much deposit is required for construction lending?

Construction loans require around 10–20% of the purchase or project value, although existing property equity may sometimes be used. We review your position and explain the options available before proceeding.

Can I use equity instead of a cash deposit?

Equity in an existing property can often be used to help fund a purchase or build, depending on your lending position. We assess your available equity and structure the lending carefully.

How do construction loans work?

Construction funding is typically released in stages as the build progresses, with interest charged only on funds drawn. We help structure the facility to support cash flow throughout the project.

What do lenders assess for construction loans?

Lenders consider your financial position, borrowing capacity, and the feasibility of the project. We present your application clearly and help select suitable lending options.

Can self-employed or complex income borrowers still invest or build?

Yes, although income assessment varies between lenders. We review your financial structure and explore appropriate lending pathways.

Can you help structure lending for long-term property growth?

Loan structure plays an important role in future flexibility and portfolio growth. We help design lending arrangements that support long-term strategy.

    
 
 
         
   Brea Kool 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mavv Finance worked incredibly quickly and secured us a very competitive interest rate on our mortgage. Nathan was professional and transparent and made the process seamless. I could not recommend Mavv Finance more highly!
  
 
        
   danielle harris 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently engaged Mavv Finance Group to help us renegotiate our mortgage, coming off our previous agreement. Nathan made the entire process seamless. Mavv Finance Group had easy to use programs to input all information needed, streamlining the process. Communication was extremely efficient, with all of our queries heard, and addressed.
We would highly recommend Mavv Finance Group to anyone searching for assistance in the financial world.
Thank you again Nathan, our family really appreciate all of your help.
  
 
        
   Evan Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nathan from Mavv finance was an absolute pleasure to work with, he was very helpful, everything ran smoothly and promptly I was able to get the car I needed for my business and will be using him in the future as well as recommending to friends and colleagues.
  
 
        
   Robby Barron 
 
 
 
 Trustindex verifies that the original source of the review is Google. Quick, responsive and effective at what they do. New car sourced quickly, finance organised and also got me a great deal as well. Highly recommend!
  
 
        
   Renee Hargreaves 
 
 
 
 Trustindex verifies that the original source of the review is Google. This was the easiest process and Nathan was so knowledable. I am very very greatful for his support and assistance for our company. Thank you, I highly reccomend.
  
 
        
   Thea Sullivan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing experience with Nathan from MAVV Finance Group! His expertise, drive and friendly attitude made the whole Finance process as absolute breeze. We could not recommend Nathan more highly.
  
 
        
   Michael Fyfe 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nathan from MAVV Finance was awesome!
He did all the hard work and made the whole finance process very easy.
  
 
        
   KYLEE KENDALL 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Nathan at MAVV Finance Group.  Nathan was referred by our accountant and right from our very first communication he was great.  Very helpful, knowledgeable and made everything from paperwork to settlement very smooth and stress-free.  Would use again 100%!
  
 
        
   Bianca Mitchell 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our business used MAVV Finance to secure a new company car. The process was extremely seamless, Nathan did all the ground work and got an approval for us in no time! Nathan is great to work with, communicates and explains things well, and settled the finance days before the scheduled pick up date, which really took the stress out of things. Highly recommend if you are seeking finance!

Mitchell Marine Constructions
  
 
        
   Daniel Eastwood 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mavv finance group provided a fantastic, seamless experience when I enquired and succeeded in obtaining a personal car loan. The exchanges I had with their employees were friendly, informative and very proactive. I highly recommend them for all finance needs!

Leave us a message

Our Services

Resources

About

Free Quote

Contact us

About

Let's Chat

MAVV PTY LTD ABN 88 673 721 349 trading as MAVV Finance Group
MAVV PTY LTD ACN 673 721 349 is an authorised Credit Representative 558122 of National Finance Connections Pty Ltd ACN 661 296 457 Australia Credit Licence 543046