Key Benefits of Our Construction Loan Solutions

Progressive Drawdown Funding — Funds are released in stages as your project advances (e.g., demolition/prep, extensions, fit-out, and completion), so you only pay interest on the amount drawn down. This keeps early repayments low and cash flow manageable during the build.

Tailored for Joint Ventures — In our preferred model, we often provide up to 100% of the development finance for qualifying joint venture partners (with the homeowner contributing land equity). No upfront construction costs or major financial risk for you — ideal for older downsizers aged 60+.

Loan to Value & Cost Flexibility — We structure loans based on the completed value (LVR) and total development costs (LTC), typically aligning with market standards of 65-80% (case-by-case, depending on project viability, location, and equity). This supports ground-up extensions, major renovations, knock-down/rebuilds, and infill developments on desirable Sydney blocks.

Interest-Only During Construction — Enjoy lower repayments while the project progresses, with seamless transition to principal & interest (or refinance options) upon completion.

Fast & Flexible Approvals — We work with private and non-bank options for quicker decisions — often closing in 60 days or less once plans, permits, and documentation are in place. We accommodate experienced owner-builders, partnerships, trusts, and international investors where suitable.

Focus on Premium Sydney Projects — Specialising in  high-end residential in Northern Sydney and Eastern suburbs — from heritage-sensitive upgrades to contemporary luxury additions that enhance lifestyle, sustainability, and property value.

We partner closely with you, your architect, and builders to ensure every stage aligns with NSW planning requirements, BASIX standards, and our commitment to timeless, eco-efficient design.

Many of our solutions suit clients with strong credit and project experience, but we also have flexible options for those new to development — including support for partially started or “broken” priority projects.

We Will Find a Way to Fund Your Vision Whether through full construction finance, bridge options, or tailored joint venture structures, we’re dedicated to exceeding expectations and delivering exceptional results.

Ready to explore how a construction loan can unlock your North or East Sydney property’s potential in 2026? Contact the L + H team today for a confidential, no-obligation discussion. Let’s turn your home into something extraordinary — together.