Triple O Finance

Construction Loan in Australia: Build Your Dream Home with Confidence

Customised construction loan solutions for first home buyers, upgraders, and investors.

What is a Construction Loan

A construction loan is a specialised type of home loan designed for building or significantly renovating a property. Unlike traditional home loans, funds are released in stages — known as progress payments — based on the construction timeline.

The 5 Stages of Construction

1. Slab Stage (Base)

This is the first major milestone where the foundation of your home is laid. It includes: Ground preparation Pouring of the concrete slab Plumbing and drainage groundwork

2. Frame Stage

The skeleton of the house is constructed here, including: Walls and roof frame Windows and door frames Trusses and beams

3. Lock-Up Stage

At this point, your house can be "locked up", meaning: External walls, doors, and windows are installed Roof tiling or sheeting is completed The home is secure from the outside

Fixing Stage (Fit-Out)

Focus shifts to the interior. This includes: Electrical wiring and plumbing installation Internal walls and insulation Fittings like cabinetry, tiles, and appliances

5. Completion Stage (Practical Completion)

The final stage includes: Painting, flooring, and final installations External works (driveways, landscaping, fencing) Final clean and building inspection

Who is Eligible for a Construction Loan?

Ideal for:

  • First home buyers

  • Homeowners planning a knockdown rebuild

  • Property investors

  • Emergency workers, healthcare professionals, and legal professionals

Checklist-style layout:

  • Licensed builder required
  • Fixed-price building contract
  • Council-approved plans
  • Minimum deposit (usually 5–20%)

Why Choose Triple O Finance?

Expert Support from the Ground Up

Include points like:

  • Deep understanding of lender policies

  • Specialised experience with emergency and medical professionals

  • Access to over 40 lenders

  • Personalised guidance at every stage

Ready to Start Building?

Let’s help you lay the foundation. Whether you're building your first home or your forever home, we’re here to guide you through.

What Our Clients Say

"

Andrew B

We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!

Sammy Crypto

We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.

Anup Das

We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.

Mustafa AMIRI

I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.

Tejaswini teju

By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T

Prasvin Pandey

I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.

Phillip Hausfeld

Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.

Follow us on:

Scroll to Top