Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.14%

HOME LOAN

5.14%

COMPARISON

Conditions Apply*

Easy Finance with Construction Loan Options

Turn your plans into reality with Credit Hub’s expert construction financing. Our trusted construction finance brokers secure competitive rates and quick approvals.

Get the Right Construction Loan

Fill out the form to get started with our services today!
20 Years

3 Billion Loans Settled

5 Star on Google

52 + Lenders

Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.99%

HOME LOAN

7.45%

COMPARISON

Conditions Apply*

Smart Solutions, Simple Approach

We take the complexity out of construction loans by guiding you through every step with expert support and access to Australia’s leading lenders.

Competitive Rates

Secure Australia's lowest finance rates and save thousands with our expert construction finance brokers.

Real-Time Tracking Portal

Track your loan progress, submit documents, and stay updated at every stage with our easy-to-use online platform.

Vast Lender Network

With 52+ trusted lenders, we tailor construction financing solutions that match your building goals and financial situation.

Personalised Support

We provide one-on-one support for a smooth, stress-free construction finance in Australia.

Why Choose a Credit Hub for Construction Loans Over Traditional Banks?

We make your construction finance journey smoother, offering tailored solutions and more choice than traditional banks.

From 5.14%

p.a.
Banks

From 5.99%

p.a.

Simple Construction Loans, Quick Approvals. That’s the Credit Hub Way.

How Credit Hub Makes Construction Financing Easy

Financing a build doesn’t need to be complicated. We break the process down so you can focus on your project, not the paperwork. Whether you’re planning your first home, a major renovation, or a multi-dwelling development, our experienced construction loan brokers in Australia guide you from start to finish.

We organise staged payments that match your builder’s progress schedule, keeping cash flow steady and stress low. With access to fixed and variable construction finance rates and secured or unsecured options, we ensure your loan is designed around your budget. Our team compares over 52 lenders to find the right match, delivering quick approvals and ongoing support until your home is complete.

How Credit Hub Makes Construction Financing Easy

Why Choose Credit Hub Over Other Construction Finance Brokers

Not all brokers are the same. Your build deserves more than a standard loan package. That’s why we tailor every solution to your project’s needs. With access to 52+ lenders, our expert construction finance brokers secure the most competitive rates, ensuring your loan fits both your goals and your timeline.

Unlike banks that limit you to a handful of rigid options, we provide real choice—staged funding aligned to building milestones, repayment plans built around your budget, and loan structures supporting residential and investment projects. More importantly, we back it up with personal service, clear communication, and fast approvals, making your construction journey seamless from planning to completion.

Our Construction Loan Options

We provide tailored construction loan solutions to help you easily finance new builds, renovations, or developments.

Owner-Builder Loans

Finance your home build as an owner-builder with staged drawdowns for each construction phase.

Fixed-Price Contract Loans

Cover your build under a fixed-price contract, reducing cost risks and ensuring lender confidence.

Renovation Loans

Fund major home renovations or extensions, with progress payments released as each stage is completed.

House and Land Package Loans

Bundle land purchase and construction finance into one convenient home loan package.

Progress Payment Loans

Pay interest only on the funds drawn during each stage of your home construction.

Customised Construction Loans

Tailored home loan structures to suit first-time builders, renovators, or experienced property developers.

Frequently Asked Questions

We’ve answered the most common questions about construction loans:
A construction loan is a short-term home loan designed to fund the building or renovation of a property. Unlike a standard mortgage, funds are released in stages (called drawdowns) as construction progresses. You pay interest only on the funds drawn, which helps manage cash flow during the building process. Once construction is complete, the loan is often converted into a standard home loan with regular principal and interest repayments.
In Australia, construction loans release funds in stages aligned with building progress: slab, frame, lock-up, fit-out, and completion. Your lender inspects the work before each drawdown to ensure it meets requirements. During construction, you only pay interest on the amount released, not the full loan. Once the build is finished, the loan usually transitions into a traditional mortgage. This staged approach makes construction loans cost-effective and practical for homeowners and investors.
With us, you get access to 52+ trusted lenders, competitive rates, and tailored strategies. Our brokers simplify the process by managing documentation, loan applications, and approvals, so your project stays on track. Whether it’s your first home, an upgrade, or an investment build, Credit Hub ensures your home construction finance is structured to fit your goals.
To secure a construction loan through Credit Hub, you’ll generally need:
  • A fixed-price building contract with a licensed builder.
  • Council-approved building plans.
  • Evidence of income and financial stability.
  • A deposit (usually 10–20%).
Our expert brokers assess your situation and recommend lenders who match your needs, giving you the best chance of approval.
Yes, first-home buyers in Australia can apply for construction loans. Many also qualify for government grants and stamp duty concessions, depending on their state or territory. Construction loans allow first-home buyers to pay interest only on the drawn amount, making them easier to manage during the build. Additionally, combining grants with a construction loan can reduce upfront costs significantly.
Construction loans usually have variable interest rates that are slightly higher than standard home loans. Since funds are released progressively, you only pay interest on the portion drawn. This can make construction loans cheaper during the build phase compared to taking the full loan upfront. Once the property is completed, the loan may revert to a standard principal and interest home loan with a competitive rate.
Absolutely. Our construction loans can fund new builds, major renovations, or large extensions. As long as there’s a licensed builder, a fixed contract, and approved plans, you can use the loan to finance upgrades. For smaller projects, our team can also advise if a personal loan or line of credit is more suitable.
Construction loan approval generally takes 2–4 weeks, depending on lender requirements and document readiness. Delays can occur if building contracts, permits, or valuations are incomplete. Working with experienced mortgage brokers can speed up the process by ensuring applications are accurate, complete, and meet the lender’s policy from the start.

Your Next Move, Backed by Smarter Loans. That’s the Credit Hub Way.

Easy Process, Expert Guidance, Faster Construction Loans for You

We take the stress out of construction financing, guiding you from planning to settlement with expert support.
1

Personal Consultation

We sit down to understand your vision, project details, and budget to design a strategy that works for you.

2

Exploring Loan Options

Our experienced construction finance brokers compare 52+ lenders to find the most competitive rates and flexible structures for your build.

3

Application Made Simple

We manage the paperwork, lodge your application, and liaise with lenders to ensure quick and hassle-free approvals.

4

Settlement & Support

From your first approval to the final stage payment, we provide ongoing guidance, keeping your project financed smoothly from start to finish.

More Lenders More Chances to Say Yes

Get expert loan solutions with our 52+ lenders on board.

All the Calculators You’ll Ever Need

Plan your build smarter with tools designed for construction projects.

Loan Repayment

Calculate your monthly repayment?

Borrowing Power

How much can I borrow?

Loan Comparison Tool

What is loan comparison?

Savings Calculator

Equity Release

Ready to Secure Your Construction Loan?

Get the funds you need today with expert support from Credit Hub’s construction finance brokers in Australia.

Hear From Our Clients Who Found Us For Their Finance and Property Needs

Discover client experiences with our trusted loan and finance solutions.

Emma
Melbourne, Vic
Credit Hub understood my investment goals and helped me secure commercial property funding faster than any bank.
David
Brisbane
Switching my loan felt confusing, but Credit Hub explained everything clearly and saved me a lot of money.
Mohan
Perth
Credit Hub’s team really knows their stuff! They made everything easy, kept me informed, and helped me secure my loan without delays.
Ollex
Melbourne
As a first-home buyer, I had no idea where to start. Credit Hub guided me step by step and made the journey stress-free!
Shreya
Melbourne
Highly recommended! Amazing people.

Mortgage Broker in Point Cook

Credit Hub Australia
About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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