Construction Loan

Looking for a construction loan to kickstart your new project? Funding provides fast and simple online financing. Receive settlement in as little as 3 to 5 days!

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Construction Loan

As exciting as starting a new project can be, it can also be pretty costly, and many people look for a private lender to back them up and support their goals. Applying for a construction loan is an excellent solution to financial issues that may be blocking the start of your new project. 

Funding is widely known as the trusted lender of choice for loans such as commercial property loans, renovation loans, and – of course – construction loans. 

Our mission at Funding is to reinvent property finance, and it’s easy to see how well we do this as soon as you begin applying for a loan with us. One of the reasons is that we strive to take a common sense approach to loaning that makes it easier for you to apply, while still ensuring safety through bank-level encryption and security using the latest technology.


How do I choose the best construction loan for my needs?

When choosing a construction loan provider, it’s essential to know precisely what your needs are to figure out the best way to meet them. Whether you’re looking to renovate a space or construct a new building, these loans can also cover expenses, such as land preparation and cleanup, architect and contractor fees, materials, and permits for new structures or properties. 

To choose the ideal construction loan for you, check if the principal amount can cover all your expected costs. In addition, see if the interest rates and fees, as well as repayment terms, are manageable for your capacities. 

At Funding, our award-winning industry experts work hard to get you excellent deals for all your construction loan needs. Our principals range from $20,000 to $10 million, and our loan terms range from one to thirty-six months. The rates you’ll be approved for can depend on your property location and type of security.

Submit your loan scenario to receive an obligation-free Express Quote from us, which contains all the relevant information about your would-be loans, including applicable fees and rates, with same-day conditional approval. If you wish to proceed with your loan, you can get your settlement in as little as 48 hours after receiving formal approval.


What documents do I need to prepare when applying for a construction loan?

The documents you’ll be required to present vary from lender to lender, but these papers usually include identification documents such as a passport or driver’s licence, assets and liabilities statement, and proof of income. However, at Funding, you don’t need to present any proof of income, as the property you put up is all the security you need.

The types of real estate we accept as security are vacant lands, residential properties, and commercial properties across Australia. If you have an eligible property, you can avail of our construction loans, bridging loans, home equity loans, and other loan offerings.

Funding only requires the following information to begin the loan application process:

  • Basic personal information (name, email, and phone number)
  • Loan details (purpose of the loan, loan principal, and loan repayment terms)
  • Property information

In addition to these, you can upload any documents that you think are relevant and will help with the approval of your loan. We highly recommend looking over your loan application again before clicking the submit button to ensure there are no errors, as they could delay your approval.


Is it better to get a construction loan from a private lender?

Though banks are considered the traditional way to receive loans, it’s undeniable that private lenders are becoming increasingly popular for those who require immediate funding, like short-term property loans or even a second mortgage. This is mainly because private lenders like Funding have much simpler, streamlined processes with faster approval times compared to the slow, manual processes of banks.

Additionally, Funding has more lenient eligibility requirements, meaning that individuals, companies, and trusts can obtain funding from us as long as they have sound real estate to put up as security, the ability to meet all their scheduled repayments, and a strong repayment strategy to exit the loan. 


Apply for a construction loan with Funding today!

Funding began providing financing for clients in 2015. Since then, we have grown to become one of the most reliable and trusted private lenders in Australia. 

We have a variety of loan offers for your unique needs. For example, companies and business owners requiring financing for purchasing new equipment, expanding their enterprise, or entering new ventures can consider applying for our short-term business loans. On the other hand, those with eligible assets such as real estate may be eligible for our caveat loans.

One of our most remarkable points of pride is our way of providing an excellent personal customer service experience, which is vital in an industry like ours. If you ever have any questions or concerns regarding our loan products or loan application process, you may contact us on our website, through email at, or by calling us at 1300 44 33 19.

Get an Express Quote with us today, and enjoy a loan with Funding, the home of faster and simpler digital mortgages.

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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