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Construction loans guides
Plain-English guides on construction loans, written and reviewed by the team at Finance Lab.
Guides in this topic
6 guidesWhat Is Practical Completion in a Construction Loan?
Practical completion is the stage where a builder declares your new home finished and ready to live in. See how it triggers the final progress payment.
Read the guide Construction loansVacant Land Loan Guide: How to Finance Buying Land in Australia
A vacant land loan guide for Australia: how a land loan works, the deposit and costs that may apply, and how buying land to build compares to building.
Read the guide Construction loansSecond Dwelling Finance: How to Fund a Second Home on Your Land
Second dwelling finance explained: how to fund a second home on your land using your equity, refinancing or a construction loan, and the costs to plan for.
Read the guide Construction loansFinancing a Kit or Modular Home: How Modular Home Finance Works in Australia
Modular home finance usually works like a staged construction loan. Learn how kit and prefab builds are funded, what deposit you may need and the steps.
Read the guide Construction loansFinancing a Granny Flat: How Granny Flat Finance Works in Australia
Granny flat finance explained: how to fund a granny flat using home equity, refinancing or a construction loan, and what deposit and costs may apply in 2026.
Read the guide Construction loansHow a Duplex Construction Loan Works When You Build a Townhouse or Duplex
A duplex construction loan funds a townhouse or duplex build in stages. See how progress payments, deposit, LVR and interest rates may work for your project.
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This information is general only and does not constitute personal financial or credit advice. Finance Lab, Australian Credit Licence 389328.