Construction Loans

Get finance from the people who understand the complexities of the building and construction industry. Our investors want to see you build with their money. We recognise the fluid nature of your industry, tailoring flexible loans to meet specific phases of a build or potential challenges that may occur during the progression of a development.

Leave less to chance

Apply for a loan that offers tailored terms that fit the individual requirements of your project. Our loan packages provide flexible features and complex options not provided by most banks.

Competitive rates

We offer competitively low-interest terms, including options for fixed term rates, interest resetting, modified repayments during the loan term, early repayment options, and even pre-approved rollovers.

Tailored, stepped loans

Lend up to 65% of the “on completion” value net of GST, including funding for the full construction contract amount (including GST, contingency and open space). Progress payments are built into the loan terms to tie in with when funds are needed for different project milestones.

The basics

Australian Securities has extensive experience providing unique loans to suit builders’ and developers’ particular needs. Whether you’re a general builder or a large-scale developer, you will find Australian Securities’ level of service a significant benefit to you and your building operations. Construction loan options include flexible pre-sale conditions assessed on a case-by-case basis. Receive Loan to Value ratios of up to 65% on the end value of your project with a fast 24-hour turnaround for staged progress payments. Loans of up to $5,000,000 are considered, and larger loans above $5m are considered case-by-case.

Features and benefits

Fast loan approvals

Quicker turnaround time than major banks with indicative offers issued within 24 hours.

Flexible repayment terms

Capitalise interest within the loan amount or pay monthly (provided serviceability evidence).

Quick progress payments

Progress payments are paid within 24 hours of receiving the quantity surveyor or valuer report.


The loan must be secured by real estate. If applicable, the Trust Deeds for any trusts involved must be provided. The Directors will be Guarantors of the loan. The General Security Deed is to be executed by the company. The business must be able to establish serviceability (contact Australian Securities Finance manager for further information on requirements). Business financials may be required. The borrower must provide the necessary documentation in the time specified for conditional approval on a loan agreement to be completed. Additional security information will be required. Title details and title plan for Melbourne Metro projects only. The Planning and Building permit with endorsed plans, proposed subdivision plan, the building contract and specifications, site check survey, builder’s registration certificate, builder’s warranty insurance, and works insurance certificate are required.

Apply now

As a leading provider of tailored loan solutions, we start by assessing your borrowing needs quickly. We do this to ensure we are able to meet your lending requirements without needlessly wasting your time. The forms below will klck start the process, simply complete the online form or the application form and email It to [email protected].

Have questions? Call us on 1300 275 275 and talk directly to the Finance Manager or a Lending executive.

Your questions answered

Don’t see your question below. We’re happy to answer any questions you may have. Contact us online or call us on 1300 275 275. We don’t have call centres. You’ll talk directly to investment managers or executives, when you call.
We use a certified independent valuation agent to value the security for each loan.
Yes, ASL can provide finance for development projects.
Unlike the banks, we consider all factors (on a case-by-case basis) rather than basing our decision to lend entirely on pre-sales.
Yes. Interest prepayment will depend on the loan type and exit strategy. A borrower can also service the ‘monthly in arrears’ interest from their own cash flow resources.
Yes, you can select a number of repayment options to discharge or partially discharge with no ‘early break costs’ (penalty) if the repayment option is chosen during your application.
We will immediately indicate whether we can meet your lending requirements—conditional approval is given within 24 hours. Our usual time frame to turn around from application to settlement is 10 days, subject to a valuation, Quantity Surveyor and all information being readily available by the borrower.
If you are experiencing difficulties or can foresee repayment issues, you should contact Australian Securities immediately before you default. If contact is made in good time, we may be able to remedy the situation.