Mortgage broking
Build your dream home
Building from the ground up is exciting — the loan shouldn't be the stressful part. A construction loan releases funds in stages as your home is built. We compare lenders and manage the process so you can focus on the build.
A construction loan is designed for building a new home or a knock-down-rebuild. Rather than one lump sum, the lender releases money in progress payments at each stage of the build, and you usually only pay interest on what's been drawn.
We compare lenders experienced in residential construction, explain how the drawdowns and repayments work, and make sure the loan is structured around your fixed-price building contract and timeline.
We handle the lender paperwork and coordinate progress payments with your builder, so funds arrive when they're needed. Our service is free — the lender pays us on settlement.
Why choose Impact Home Loans
Staged progress payments
Funds release at each build stage (slab, frame, lock-up, fixing, completion), so you're not paying for the whole loan up front.
Interest only on what's drawn
During construction you typically pay interest only on the funds released so far, keeping repayments lower.
Lenders who know construction
We compare lenders experienced in residential builds, where assessment differs from a standard purchase.
We coordinate the drawdowns
We manage the paperwork with your builder and lender so payments aren't held up.
Accredited with Australia’s top lenders
We’re not tied to any one bank — we compare your options across major lenders to find the most competitive rate for you.
Frequently asked questions
Customer reviews
Very professional, reliable and honest. Always willing to take the extra step to ensure a satisfactory result is achieved.
Dilshani and Impact Home Loans made the experience of applying for refinancing as smooth as possible. As I am self employed, getting a loan can prove to be more difficult than an employee loan, but Dilshani was there with us every step of the way. Highly recommend Dilshani and her team.
We have no hesitation in recommending Dilshani to family and friends. Her service and communication consistently go above and beyond anything we have experienced elsewhere. She has helped us with both purchasing and refinancing, and her ability to secure the best possible outcomes while making the entire process easy and seamless is second to none. We truly appreciate her professionalism, expertise, and dedication, and would highly recommend her to anyone looking for a mortgage broker.
I would like to thank Dilshani and her team for providing the best option to suit my circumstances and assisting me throughout the process to achieve a positive outcome. Excellent service and highly recommended.
We are very pleased and grateful for the smooth transaction with Impact Home Loans, especially with the assistance of Dilshani and Jennifer. Thank you for your professionalism, guidance, and support throughout the process.
Dilshani has been looking after our family from when we bought our land through to refinancing for better rates. She has excellent customer service, works extremely fast and the process is always smooth. I highly recommend Impact Home Loans and Dilshani as a broker.
excellent service
Dilshani from Impact Home Loans has been our greatest asset in our journey to acquiring our dream property. From helping us reach unconditional approval within a strict timeline, to also helping us navigate the current state of the housing market to ensure we make the right moves, Dilshani has provided a service that goes above and beyond. Her approach that was tailored specifically for us ensured we got the best possible loan/rates and most importantly, helped us acquire our dream home. We can't thank Impact Home Loans enough and highly recommend Dilshanis services to all those in search of a home.
I’ve worked with Dilshani for many years and she has always gone above and beyond to help me. Her dedication, knowledge, and support have been invaluable. I have nothing but praise for her and highly recommend her services.
We had an excellent experience with Dilshani during the process of buying our Land and Home. She made a process of stress free and straight forward. We felt very supported throughout the entire process and would recommend Dilshani to anyone who is looking for a mortgage broker. Thanks again Dilshani for all of your support!
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