We'll help you fund your new build or renovation

Getting a construction loan is a crucial step for those looking to build their dream home or undertake a significant renovation project. Construction Loans are specifically designed to provide funds in stages as the construction progresses, rather than as a lump sum upfront. Getting a construction loan can be complex, as in addition to understanding your financial situation, banks will generally need to understand the details of the build before providing approval. We can help you understand the process and make sure you have all the documentation required before submitting an application - saving you valuable time in getting your build underway. 

Construction Loans operate differently to other types of loans with the funds being provided to pay builders and suppliers as the construction progresses. This means that you'll only pay interest on the funds you've accessed rather than the whole loan. Understanding how a Construction Loan operates and how it enables you to build or renovate is critical and we have the expertise to make sure you understand the process and get the right loan for you. 

We're a proud member of the Mortgage and Finance Association of Australia and can help with Construction Loans right across Australia. If you're looking to build or renovate, we have the expertise and experience to guide you through the process and make the right choice.

Ready to chat to one of our team?

Our Recent Reviews

⸻ ⭐⭐⭐⭐⭐ G&T Finance G&T Finance has been absolutely amazing to work with! They were super helpful from start to finish and made the whole process of securing our loan so much easier than we ever expected. Their communication was clear, timely, and genuinely supportive throughout. A special shout-out to Gemma, who went above and beyond for us. She was patient, knowledgeable, and always ready to answer any questions we had. Her guidance made a huge difference, and we’re incredibly grateful for her help. Highly recommend G&T Finance to anyone looking for a reliable, professional, and truly supportive finance team!

johnsen omar hulipas

So glad to have delt with Tom , honest, reliable, communication was great, upfront and truly cares about his clients and their best interest wouldn't go anywhere else ! Thank you Tom for all your help you have been amazing you did it when others said no :)

Emilija Mijajev

Incredible service from start to finish. Tom at G & T Finance made the whole mortgage process feel easy and stress-free. He was patient, thorough, and always quick to respond to our questions — no matter how small. We felt supported the entire way through and confident that he was doing everything possible to get us the best outcome.

Tearna Chrisp

We recently used Tom as our broker for the refinance of our home. The entire process was seamless, professional and efficient. Tom was friendly and knowledgeable, quick to action and respond to queries and chose the best bank for our situation. We will be recommending Tom and the team at G&T Finance.

Brooke Burns

Frequently Asked Questions

Does G&T Finance help self employed borrowers get a loan?

Absolutely! Self employed borrowers are one of our specialties. We will work with you and your accountant where possible, to find the right solution and help you achieve your financial goals.

Does G&T Finance charge any fees, or are there any hidden costs when getting a loan?

For most loans we are paid by the lender and not by our customer. We will on some occasions charge a credit assistance fee and this will be advised to you up-front. All lender fees are disclosed up-front in your loan contracts.

Can G&T Finance help first home buyers get their first home loan plus access any grants and incentives?

We love helping first home buyers get into their home sooner. Check out our home buyer accelerator to get all of the information you need to get there. We will even check your eligibility and help you complete and submit the forms for any first home buyer benefits available.

Can G&T Finance help with your home loan and investment loan?

Whether it be buying your dream home or refinancing to build an investment portfolio our approach ensures you will get have the best long term solution. With our expertise and panel of over 50 lenders we will ensure you have the best structure and product to meet your goals.