Construction Loans
Turn your building plans into a reality with a construction loan
When embarking on a construction project, whether it's a major home renovation, building your dream home from scratch, or buying off the plan, securing the right finance is critical. Construction loans offer a flexible solution, allowing you to manage your cash flow effectively as you pay for the project in stages. Linton Finance, with our base in Kellyville, stands out as the go-to for anyone looking to navigate the complexities of construction loans.
Why choose us? For starters, as a reputed Finance & Mortgage Broker, we provide access to an extensive array of construction loan options from banks and lenders across Australia. This ensures you get the best interest rate and loan amount that suits your specific needs. Our streamlined application process cuts through the red tape, making it easier for you to get started on your project sooner.
Understanding the unique nature of construction projects, our loans are designed for convenience. They come with a progressive drawdown feature, which means you'll receive instalments or progress payments at various stages of the project. Even better, you only get charged interest on the amount you've drawn down, keeping your costs under control. Our interest-only repayment options further ease your financial burden, letting you focus on what matters most - bringing your vision to life.
Linton Finance recognises the importance of having reliable trade professionals like plumbers and electricians, along with a registered builder, to ensure your project hits every mark. Our construction loans are structured to allow you to pay sub-contractors seamlessly, manage the cost of council plans and permits, and keep your project moving according to a Progressive Payment Schedule.
Moreover, we offer an 'as if complete' valuation to ensure you have the means for additional payments if your project exceeds initial estimates. Be it for various stages of development or special features added to your project; our construction loans are designed to be as flexible as you need.
Operating out of Kellyville, Linton Finance is not just about offering construction loans. We're here to be part of your journey, ensuring your project progresses smoothly from start to finish without financial hitches. Remember, our Progressive Drawing Fee is structured with your best interest in mind, guaranteeing that every dollar you spend is an investment towards the successful completion of your construction project. Choose Linton Finance and make your construction dreams a reality with the perfect loan solution.
My refinance process was smooth and hassle-free. Nathan was highly responsive, knowledgeable, and made everything easy from start to finish. I felt confident throughout and look forward to working with him again in the future. Highly recommended.
Brendon Xu
Could not fault this business, the efficiency and quality of Nathan’s service is second to none, he made buying a home simple and stress free. Thanks again.
josh
Nathan has been an amazing mortgage broker for us. There was a lot of questions my husband and I were concerned and unsure about, but Nathan was able to break down our concerns and address them- leaving us stress free. He went above and beyond for us to secure our home and we are so grateful. Highly recommend!!
Alyssa Balayo
Working with Linton Finance was a game changer for us, they were somehow able to get us approved just days after speaking and our loan refinanced to a cheaper rate with cash out for a renovation in 2 weeks. The whole process was without any printing and signing and Nathan always picks the phone up when we call with questions. Super happy with the result and look forward to recommending them to our friends and family.
Michael Angelo DelaCruz Rubio
I've been wanting to write this review for a while now, and like a lot of people, very time poor, but cannot let more time go by without taking the time to thank Nathan and his team. We needed a professional that had the expertise to guide us through the complex process of refinancing and future-proofing our financial goals, but as importantly, was customer-focused, reliable and consistent. Nathan led us through from start to finish and in between (always ready to respond to our queries which was such a refreshing change given our previous experience with other mortgage brokers), and gave us so much confidence in the process. We were working on a tight timeframe and Nathan was able to get us through in the shortest amount of time, which was absolutely amazing. We're looking forward to working with Nathan and his team in future as we count him as our go-to mortgage broker now. Thanks so much, Nathan, we couldn't have enjoyed this process without you!
Johanna Annewetey
Very easy to deal with and always contactable when needed.
Shaun Smith
Unlike banks that only offer their own loan products, we’re a boutique, fully independent mortgage brokerage with access to over 30 lenders. Unlike larger brokerages that pass clients off to offshore teams after the initial consultation, we handle everything in-house—from application to settlement and beyond—ensuring seamless communication and personalised service.
No, our service is completely free for you. As a mortgage broker, we’re paid a commission by the lender when your loan settles—meaning you get expert advice and a tailored loan solution without any extra cost. Unlike a bank, we compare multiple options to find you the best deal, not just push one lender’s products.
We are fully accredited mortgage brokers and members of the Mortgage and Finance Association of Australia, Registered with AFCA and we partner with the largest aggregator in the country 'Australian Finance Group' giving us the best access to technology & security for our clients.
Absolutely, I submit special pricing requests for all my clients deals and ensure that we leverage our banking relationships to drive best pricing outcomes for our clients at loan application stage and beyond as we continue to service your loan.
The exact documents depend on your situation, but generally, you’ll need:
ID (Driver’s License or Passport)
Proof of income (Payslips, tax returns if self-employed)
Bank statements (Showing savings and expenses)
Existing loan details (If refinancing)
Don’t worry—we guide you through the entire process, making it as easy as possible.
No, you don’t have to meet in person with a mortgage broker. We offer online consultations via Zoom and can handle the entire process remotely, including submitting documents and discussing loan options on a phone or video call. We understand that not everyone works 9-5 pm and you may have commitments such as family, sport or social outside of work. The flexibility we offer makes it convenient for you to work with us regardless of location.
We prioritise all our customers loan applications, if you've provided us the relevant documents we need we'll then provide a 'product comparison report' which will have 3 lender options in it with special pricing discounts requests in under 24 hours. (I know quick right!)
Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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