New Home Construction Loans

There’s nothing more rewarding than building a brand-new home, perfectly tailored to your vision. A construction loan is a specialised type of finance that funds your build in stages, from the slab pour to the final handover. At Max Rich, we are experts in construction finance, managing the entire process for you so you can focus on the build itself.

Construction Loans for Building Your New Home on the Gold Coast

In the booming growth corridors of the Gold Coast, from Pimpama and Coomera to the new estates in Wongawallan, building your dream home is a popular choice. Unlike a standard home loan, a construction loan requires careful management of builder payments, lender valuations, and staged fund releases. It’s a complex process that can be stressful if handled incorrectly. As your broker, we act as the crucial link between you, your builder, and the bank, ensuring a smooth financial journey from vacant block to your beautiful new front door.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

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Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

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Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

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What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

What is a grant?

A government grant is a sum of money provided to help eligible people purchase a home, which you do not have to repay. The most well-known scheme for first-time buyers in our area is the Queensland First Home Owner Grant. We stay up-to-date with all available grants and will help determine your eligibility.

What is a rate lock?

A rate lock is an agreement between a borrower and a lender that guarantees a specific interest rate for a set period. This can protect borrowers from rising interest rates while they complete the mortgage process.

Benefits of Rate Locks

Locking in a rate can provide peace of mind and help borrowers budget their monthly payments more accurately.

What is a redraw facility?

A redraw facility is a feature on many variable rate loans that allows you to access any extra repayments you have made on top of your minimum required payments. It’s a flexible way to access funds you've already paid into your mortgage, but it operates differently from an offset account.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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