Construction Loans · House & Land · KDR · Owner-Builder
Construction Loans Sydney
Building your home or investment property? William Zhu combines 8 years of mortgage broking expertise with 5 years working in the construction industry — giving Bridge Finance a unique edge in financing builds that other brokers simply don't have.
How Construction Loans Work
A construction loan is a specialised home loan where funds are released in stages (called progress draws) as your build reaches agreed milestones — slab, frame, lock-up, fixing, and completion. Unlike a standard home loan where you receive a lump sum, a construction loan means you only pay interest on the funds drawn to date — keeping your repayments lower while the build progresses.
At completion, the construction loan converts to a standard principal-and-interest or interest-only home loan. The key is getting the right structure from day one — the wrong loan can cost you thousands in unnecessary fees or create cashflow problems mid-build.
The 4 Types of Construction Finance
🏡 House & Land Package — Purchase land and build in a single loan, or finance the land first then construction separately. William will model both and show you which saves more.
🏗️ Knockdown Rebuild (KDR) — Demolish an existing dwelling and rebuild on an established block. Often requires a specific lender familiar with KDR valuations. One of Bridge Finance's most common construction loan types.
👷 Owner-Builder — Building the home yourself (as licensed owner-builder). Fewer lenders offer this, LVR caps apply, and a detailed construction timeline is essential. William knows exactly who will lend.
🔨 Renovation Finance — Substantial renovations often require construction loan structures. Bridge Finance helps clients distinguish between refinancing equity vs. a true construction facility.
Why William's Construction Background Matters
Most mortgage brokers have never set foot on a building site. William has — and it shows.
Realistic Build Cost Estimates
William understands actual build costs — not just the builder's quote. He'll flag underestimates before they become a mid-build funding crisis.
Progress Draw Timing
Understanding which milestone triggers each draw — and what lender inspections require — avoids the delays that plague construction loans managed by generalist brokers.
Lender-Valuer Relationships
End-value estimates on construction projects vary widely. William knows which lenders use which valuers and how to present build specs to maximise the assessed end-value.
Contract Review Support
Before submitting to any lender, William reviews the builder contract for clauses that could complicate finance — an insight that comes directly from his years in construction.
Ready to finance your build?
Book a free 30-minute construction loan consultation. William will review your build plans, estimate your borrowing capacity, and find the right lender for your project — at no cost to you.
© 2026 Bridge.Finance Pty Ltd ATF Zhu Family Trust. Credit Representative 567817 of Australian Credit Licence 384704. MFAA Member. AFCA Member.
Get in touch
Ready to take the next step?
Whether you're just starting your property search or ready to apply, we'd love to help. Reach out for a free, no-obligation chat and find out what's possible for your situation.
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217 Burwood Road, Burwood NSW 2134, Australia