Construction Home Loans

Build Your Dream Home

Building your dream home should be an exciting milestone, not a financial headache. Construction lending is complex, and getting it right takes expertise. That’s where we come in.
At InReach Finance, we’re construction home loan specialists. We work with all builders, from boutique designers to major project builders and we’re proud to partner closely with Blueprint Homes, Perth’s most awarded builder. Their commitment to excellence mirrors our own, and they choose to work only with the best.
So whether you’re building with Blueprint or another trusted builder, don’t leave things to chance with a broker who only handles the occasional construction loan. Let the specialists manage the finance, so you can focus on watching your new home take shape.

Why Choose InReach Finance

True Construction Specialists – We live and breathe construction finance, it’s what we do every day, not once in a while.

Trusted by WA’s Best Builders – Our strong partnerships with award-winning builders mean you get a seamless experience from start to finish.

Strategic Loan Structuring – Expert guidance on fixed vs. variable rates, interest-only options, and offset accounts to keep your finance working smart.

Hassle-Free Progress Payments – We stay on top of every stage, coordinating directly with your builder and lender so your build never misses a beat.

Our Process

Pre-Approval – We’ll work out how much you can borrow and secure your pre-approval so you can start building with confidence.

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Loan Structuring – Together, we’ll choose the right loan setup fixed, variable, or split and include features like offset and redraw to keep things flexible.

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Progress Payments – As your home takes shape, we’ll help manage payments to your builder at each stage, keeping everything running smoothly.

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Final Settlement – Once your home is complete, your loan automatically switches to a standard home loan simple and stress-free.

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Frequently Ask Question

How does a construction loan work?
A construction loan is released in stages called progress payments as your home is built. You only pay interest on the amount drawn, which helps manage cash flow during construction.
A standard home loan is paid in full upfront, while a construction loan is drawn down in stages during the build. Once finished, it usually converts into a standard mortgage.
Builders submit invoices for each stage (slab, frame, lock-up, etc.), and we work with your lender to make sure payments are processed on time.
No. You only pay interest on the portion of the loan that’s been drawn, which helps keep repayments lower until the home is complete.
Yes, many clients refinance after their build to secure a better rate or features. We review your loan once your home is finished to ensure it remains competitive.

Planning to build your dream home? Let our construction finance specialists guide you.

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