We'll help you fund your new build or renovation

Building a home or undertaking major renovations is an exciting journey, and at Conscious Finance Co, we specialise in helping you secure the right Construction Loan. Whether you're in Perth or anywhere else in Australia, our services provide access to Construction Loan options from banks and lenders across Australia. A Construction Loan allows you to only charge interest on the amount drawn down, offering flexibility and potentially significant savings during the build. This can be especially beneficial for those planning new builds, major home renovations, or buying off the plan.

When applying for a loan, understanding the interest rate and loan amount is crucial. At Conscious Finance Co, we offer a streamlined application process designed to make this as smooth as possible. Our expertise ensures you can access a Progressive Payment Schedule, which aligns with the various stages of the project. This means you can make progress payments as construction milestones are achieved, helping to manage costs effectively. With interest-only repayment options available, you can focus on your project without the burden of paying full instalments until construction is complete.

Construction projects often involve working with a registered builder, along with plumbers and electricians. Our Construction Loan options include features like progressive drawdown and progressive drawing fees, enabling you to pay sub-contractors as required. This ensures that payments are made when specific stages of the build are completed, such as when council plans and permits are approved or after demolition of existing properties. Moreover, ‘as if complete’ valuation helps determine loan amounts based on the value of the completed property, providing a realistic view of your financial commitments.

A well-thought-out plan includes considering council restrictions and regulations, suitable land selection, and development applications. Conscious Finance Co assists you in making a plan that encompasses these factors, ensuring your project complies with local rules. This is particularly important if you need to commence building within a set period from the Disclosure Date to avoid any penalties. Our services also highlight the importance of budgeting for Out of Contract Items not included in the original agreement, preventing unexpected expenses.

Whether you're looking to demolish an existing property to make way for a new build or planning significant home improvements, having a clear understanding of your financial options is essential. Our team helps you find the ideal location within your price range and guides you through council regulations. With our assistance, you can confidently proceed with your home improvement loan or Construction Loan, knowing that every aspect of your project is financially supported.

Our team at Conscious Finance Co is ready to assist clients in Perth and across Australia in accessing Construction Loan options that suit their needs. With our expertise, you can embark on your construction journey with confidence. Contact us today to discuss your project and explore how we can help you achieve your dream home.