03 7042 9127

Our Services

If You Need Any Help Contact With Us

03 7042 9127

Get A Free Quote

Name(Required)
Home Loan Experts in Builder

Builder home loans: licence finances, contract mechanics, and proof your jobs get paid

Banks will lend to builders, but they want proof the business is licensed, solvent and getting paid on time. The easiest way to show that isn’t a pile of quotes. It’s a short pack that links signed contracts to progress payments, and confirms you meet the financial rules tied to your licence.

Licence financial requirements (not just the card)

Some states check more than whether a builder holds a licence. For example, regulators set minimum financial requirements for licensees (net tangible assets, liquidity, revenue ceilings). If you trade near those limits, lenders worry about breach risk. Put a recent accountant’s MFR report or regulator financial summary on top of the file. It shows your licence can lawfully carry the revenue you claim, which de-risks the income the bank is about to rely on.

Prime Cost and Provisional Sums: why banks care

Standard contracts carry Prime Cost (PC) items and Provisional Sums (PS). If those allowances are set too low, your margin gets squeezed and cash flow slips. Include a one-pager that lists current PC/PS totals, the actuals to date, and how over-runs are being recovered (variation approved or client funded). That tells credit you’re tracking allowances instead of absorbing them.

Price rise clauses and supply volatility

Materials inflation didn’t vanish. If you use rise-and-fall or cost escalation clauses (or supplier price locks), attach the relevant pages. A bank doesn’t assume they exist; you need to show them. This proves you have contractual cover when timber, steel or fixtures move, which helps preserve margin and serviceability.

Variations and extensions of time: the paper trail

Healthy jobs still change. Lenders just want the variations to be authorised and paid. Add three recent examples: client-signed variation, adjusted claim, bank credit. If delays hit, include the approved EOT so liquidated damages aren’t looming. Two clear samples are worth more than ten invoices with no signatures.

Trust accounts, HBCF/warranty and retentions (kept tight)

For eligible residential jobs, include the home building warranty/compensation certificate. On projects using project trust accounts or similar, show a claim → trust credit → transfer sequence. Add a retentions ledger with release dates. That proves cash is protected, timed, and coming back at practical completion.

Subbie payments: statements and statutory declarations

Many head contracts require subcontractor payment statements or statutory declarations each claim. These documents are gold in a loan file: they confirm that downstream trades are paid, which reduces dispute risk and keeps progress money flowing. Include the most recent set that matches a paid claim.

Supplier credit, rebates and guarantees

Timber, steel and plumbing merchants often grant 30-day terms and pay quarterly rebates. Both change real cash. Provide current supplier statements, the latest rebate letter, and copies of any director guarantees you’ve signed. Lenders will then model true net cash rather than guessing (and over-shading).

Evidence of completion: approvals and handovers

Show that projects finish and certify. Attach the last occupancy certificate/final inspection and the client handover for two jobs, plus the defects-liability end dates. It signals repeatable delivery, which supports the way your income is averaged across years.

Pulling a builder file together

Keep it sharp:

  1. Licence financial summary (or MFR report).
  2. Two signed contracts with PC/PS snapshot and price-rise clause page.
  3. A claim pack that links variation approval, payment schedule, and bank credit.
  4. Warranty certificate, retentions ledger, and one trust-account flow.
  5. Supplier statements, rebate letter, and any director guarantees.
  6. Two OC/final inspection proofs and handover notes.

That bundle shows lawful capacity to trade, controlled margin, and cash that actually lands — exactly what a lender needs to back a builder at the best settings available.

How can we help you?

I want to purchase a home
I want to refinance 
 
 
 
 
  EXCELLENT  
 Google star 1Google star 2Google star 3Google star 4Google star 5 
 Based on 234 reviews 
  
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google Google 
 
 ashwini reddy profile picture 
 
 
 ashwini reddy 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
As a first home buyer along with my husband, I had a wonderful experience working with Mayur. He guided us throughout the entire process, gave us the right advice at every stage, and was always quick to respond whenever we needed help. Mayur made everything so smooth and stress-free for us. I truly appreciate his support and would highly recommend him to anyone looking for a trustworthy and professional loan broker.
  
 
  
 
 
 
 Posted on Google Google 
 
 Rishabh Hirawat profile picture 
 
 
 Rishabh Hirawat 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We are first home buyers in Australia and we approached Mayur through our friend. He helped us throughout the process, provided the right guidance, and was highly responsive. Mayur made the entire journey smooth and stress-free, always going the extra mile to support us. We would highly recommend him to anyone looking for a reliable and professional loan broker.
  
 
  
 
 
 
 Posted on Google Google 
 
 Oosman Abdul Kader profile picture 
 
 
 Oosman Abdul Kader 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Exceptional service by Mayur. Made the loan approval a walk in park for me.
  
 
  
 
 
 
 Posted on Google Google 
 
 Ash profile picture 
 
 
 Ash 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Mayur was absolutely amazing with ensuring my loan refinance was done in a very orderly and easy manner! He would guide me step by step so I was never overwhelmed and would have prepared many things in advance to ensure a smooth transition of the process! Very grateful for his support and I will always highly recommend Mayur for his excellent Customer service and support! Keep up the great work and will always come to you for future projects! Thanks Aashu
  
 
  
 
 
 
 Posted on Google Google 
 
 sukhjinder singh profile picture 
 
 
 sukhjinder singh 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I’ve refinanced a couple of times since getting my home loan from him over the past four years, and each time the process has been smooth and stress-free. Highly recommended
  
 
  
 
 
 
 Posted on Google Google 
 
 Vasu Vasu profile picture 
 
 
 Vasu Vasu 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Best and easy . Thanks alot mayur
  
 
  
 
 
 
 Posted on Google Google 
 
 Jayesh Patel profile picture 
 
 
 Jayesh Patel 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We have had an excellent experience with Mayurbhai and his  team. They are extremely knowledgeable and helped us through the whole process of investment property loan . Highly recommend this team, you will not be disappointed with the service you receive. Thank you once again
  
 
  
 
 
 
 Posted on Google Google 
 
 Parag patel profile picture 
 
 
 Parag patel 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I applied for a loan for my investment property (house and land), and the experience with Loan Easy was excellent. The staff were very friendly and helpful, and their responses were quick and efficient. I received my pre-approval within just two days. I highly recommend Loan Easy for anyone looking for a smooth and hassle-free loan process.
  
 
  
 
 
 
 Posted on Google Google 
 
 Nilesh Shukla profile picture 
 
 
 Nilesh Shukla 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
The experience has been good with Mayur. I am in the processs of refinancing a loan with them.
  
 
  
 
 
 
 Posted on Google Google 
 
 Mayilvahanan G profile picture 
 
 
 Mayilvahanan G 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Excellent service by Mayur for refinancing our loan. Very clear communication and kept us updated constantly. Highly recommend.

Access to these lenders and more

Sydney construction mortgage broker
Our Service Benefits

Frequently asked questions

Refinancing involves replacing your current mortgage with a new one—typically with better interest rates or features—and can help lower your monthly payments, reduce total interest over time, or access equity in your property.

Yes. Refinancing can allow you to consolidate high-interest debts (like personal loans or credit cards) into your mortgage. This often simplifies repayments and may lower your overall interest costs, but it’s essential to weigh the extended loan term.

Some lenders offer cashback when you refinance—a lump-sum incentive for switching your loan. These can help offset upfront costs like legal fees but always compare the overall cost of the loan, not just the cashback.

To find affordable refinance deals, compare current interest rates, fees, and special offers across lenders. Use rate comparison tools or consult a mortgage broker to identify competitive options with low rates and manageable costs.

The best refinance offer combines a low interest rate, reasonable fees, flexible loan features (like offset accounts), and good service. The "cheapest" isn't always best if it lacks conveniences that save you money or effort in the long run.