If you are building your own home or investment property, a construction loan may be suitable for you. This loan requires a fixed price building contract from a registered builder. These loans are usually interest only for the period of building and then become principal and interest once building is completed or, subject to negotiation, this interest only term can be continued. A construction loan allows you to draw money as is required whilst building. Further, along with the usual necessary documents that are required when applying for a loan, construction loans also require a “fixed-price building contract” and “council approved plans”.
Google Rating
4.9 
Jarrod Miller
08:23 07 Jun 21
My partner and I have recently purchased our first property and used Intuitive Finance as our broker.Lachlan was very... quick to solve any problems that arose and was always on the front foot. We highly recommended using Intuitive Finance and we wouldn’t use anyone else in the future.read more
Vinoth Puvichandran
10:28 19 May 21
Intuitive Finance's service was very professional and they walked me through from the start to end providing me with... required information and recommendations to make decisions. They were really responsive, easy to communicate with and are always available to answer your questions and to support you through out the process. Also, they spend great amount of time to formulate a right finance strategy to suit your circumstances and property purchase. It was great working with Lachlan and Craig. I am looking forward to working with them again in the future and I would recommend anyone who needs support with Mortgage related matter. They are 100% Property Savvy Mortgage brokers!read more
Philip Boyle
00:39 05 May 21
Andrew and Vera at Intuitive Finance are highly experienced when it comes to home loans. They deliver a quality service... and are pragmatic, patient and supportive throughout the process. Overall, I'm very happy to recommend Intuitive Finance as I myself will be using their services again for the next mortgage. Thank you!read more
E Wilson
01:27 23 Mar 21
We have worked with Intuitive over several years and across several loans. Craig’s level of organisation and his... experience working with lenders enabled our recent application process to run very smoothly and without stress. Intuitive have also been invaluable in finding the optimum way to structure our borrowing in line with our financial goals.read more
David Bryant
02:35 19 Mar 21
Andrew & his team encountered obstacles due to my unique circumstances, but they persevered and secured a great deal... for me. Well done.I particularly liked the way they kept me advised of progress with the refinancing.read more
Raymon Ortinez
00:06 11 Mar 21
Lachlan and Craig secured both refinance and an investment property loan for me. Both guys made the process less... arduous, keeping me posted each and every step. Providing reassurance as needed, as this journey is always nerve-wracking. They were informative and open to answer tons of questions for me. Lachlan is a young, driven top gun in the industry and surely has got some more in store for him in the future. Craig has always been amazing in what he does. I trust Intuitive Finance and every deal that they have for me. Highly recommended. 5 stars.read more
Mark Byrne
00:04 10 Feb 21
Excellent experience dealing with Lachlan. He was super clear on the different options available to me; took the time... to explain different scenarios and always available for follow up questions.read more
Renay Lotz
22:49 29 Nov 20
It was a pleasure working with Andrew and his team. Moving from a different country and not understanding all the... Australia laws, they made the process of attaining a mortgage totally stress-free. Vera is informative, has her clients best interest at heart, and makes herself available for any questions you may have. She is professional and very organised. I would definitely recommend Intuitive Finance. Thank you for the outstanding service!read more
Tracey Carroll
03:39 28 Nov 20
The team at Intuitive Finance are fantastic to deal with. Andrew is a wealth of knowledge when it comes to financial... planning, the best deals that are being offered by banks and nothing is a trouble for him. They are always very quick to respond to emails and phone calls. I would highly recommend them.read more
Rebecca
09:50 27 Nov 20
Andrew and the team always make us feel relaxed and assured. This is so important when it comes to long term decisions... about finances! The team are professional, highly knowledgable and responsive to individual needs. Wouldn't go anywhere else!read more
Nicole Ryan
08:42 27 Nov 20
Intuitive finance are a high quality service with years of experience in their staff. Headed by Andrew and... exceptionally well supported by Craig Caarells and numerous others, this is the team you want when you’re investing in your future.Don’t go it alone. This team has the experience and relationships will all then lenders to ensure you are represented and. It taken advantage of.read more
Vincent Mok
07:38 27 Nov 20
Courteous and attentive service.Carefully considers a client's specific needs, and always respectful never pushing an... agenda.Able to negotiate good interest rates and lending amount.read more
Stephen Henderson
06:47 19 Nov 20
Lachlan & Vera helped us with refinancing and securing an investment loan for a new purchase. Great communication,... knowledgeable, friendly & professional. An overall great experience, would highly recommend! Special thanks to Vera for being so helpful throughout the whole process. You definitely made things a lot easier.read more
Jay O-H
08:52 01 Oct 20
Friendly group of people. Happily answered my many questions and provided the peace of mind I was after!
Marty Sadlier
05:24 01 Oct 20
Andrew and Lachlan Miriams and the greater Intuitive Finance team are just true professionals. Nothing is too much for... them from a service point of view and the correspondence and being kept in the loop is exceptional. Highly recommend.read more
Nathaniel Cheung
03:27 24 Sep 20
Lachlan & Vera helped us secure a loan for an investment property. The team was prompt with responding to our questions... and everything was a smooth process thanks to them. Highly recommended to anyone looking for a good broker to work with.read more
mark grospe
01:00 01 Aug 20
great experience with intuitive finance. definitely made it a low stress experience securing the loans. highly recommend
Matt O'Reilly
00:40 26 Jul 20
We had Lachlan as our finance strategist/broker and we couldn’t be happier. He always went out of his way to help us... and the home loan rate and product he got us was far better than I could have done my self. His communication was great. Always informing us of every step along the way during the application process which is important for us. Overall the service was fantastic and will definitely continue to use their service into the future and would recommend it to others.read more
michaela coleman
05:34 07 Jul 20
We worked with Intuitive Finance when purchasing our home recently and could not recommend them highly enough. Craig... and his team were so professional and took the stress out of dealing with the banks. He was always there to take our calls and give us the guidance we needed. Thank youread more
Kathy Staples
00:40 02 Jul 20
Very efficient and smooth process to refinance our loans and at a much lower rate.
Julia Ilies
01:15 11 Jun 20
We couldn't be happier with Andrew and his team at Intuitive Finance. We previously approached other mortgage brokers... to obtain finance on our behalf for our next investment purchase and they had fallen well short of the funds we needed to achieve our next property purchase. Andrew provided guidance with the right finance strategy for us and assisted us through the sometimes rocky road with the banks. We will most certainly engage Intuitive Finance again when we require funding for our next project.read more
Pia Isle
05:41 11 May 20
Everyone I dealt with at intuitive finance have been extremely helpful through the whole process and kept in contact... through every stage. With there experience I'm happy with how my finances are set up. I would definitely use intuitive finance again.read more
Celina Lai
12:10 27 Apr 20
Intuitive Finance was recommended to me by a family member. Andrew & Vera were extremely helpful and easy to contact. ... They were able to explain terms in very simplified way, which I needed! Would highly recommend for anyone seeking help with getting finances sorted and making a future financial plan.read more
Mick OTM
10:26 02 Apr 20
Comprehensive and professional experience from start to finish. Excellent assistance, thorough explanations of key... events and requirements. Overall, a great result for me in a difficult financial position. Wouldn’t shop anywhere else!read more
Damon Hawker
21:07 21 Mar 20
Fast and efficient service. Timely responses to enquiries. Special thanks to Craig for his guidance through the... application and settlement process. I’m a happy customer!read more
Construction Loans
Advantages & disadvantages
Advantages
- Competitive variable interest rates.
- Facility to draw money when necessary whilst building.
- Interest only payments during the building period.
- Additional payments can be made.
- You only pay interest as the loan is progressively drawn down
Disadvantages
- Requires a fixed price building contract leaving little room for change whilst building.
- Some lenders charge a fee for every time you draw money through the building period.
- Given it is a variable loan; loan repayments will increase if interest rates go up.
To do's
- Contact us to discuss your initial thoughts and requirements.
- Complete our finance application form covering the purpose for seeking credit and the amounts of credit sought
- We will then contact you to arrange an initial consultation, to agree the basic information required and the process for completing such
- Once that has been compiled we will review it and then provide a written strategy for you to consider.
- If you’d like to proceed, we will then work with you on a formal loan application process.
Complimentary obligation free consultation
Discuss your specific needs & formulate the right strategy for you.
Get in touch to organise your complimentary 60min session today!
What’s involved in obtaining a loan through Intuitive Finance?
Process begins
Step 1
1 hour initial meet to establish financial and lifestyle goals, discuss fact find document and agree timeline for return of such
Step 2
Submission of fact find
Step 3
Within 5 days of completion of fact find – written strategy submitted to you
Step 4
Within 2 days of agreement to proceed – documents lodged with Institution
Step 5
Within 1 to 3 days of lodgement expect conditional approval
Step 6
Within 2 to 4 days after conditional approval expect unconditional (full) approval
Step 7
Within 2 to 5 days after unconditional approval, expect loan documents to arrive
Step 8
Within 3 to 5 days of signed Loan Documents submitted, expect Loan settlement
Process ends
Total process generally takes between 4 and 8 weeks
Total process generally takes between 4 and 8 weeks
Some of our case studies
Explore
Whether you are a first home buyer or a sophisticated investor we can assist with a detailed, tailored approach to your investment finance. Explore our customer case studies & a series of investor scenarios to help you identify the most suitable strategies for you.
view case studiesExplore
Whether you are a first home buyer or a sophisticated investor we can assist with a detailed, tailored approach to your investment finance. Explore our customer case studies & a series of investor scenarios to help you identify the most suitable strategies for you.
view more
Property Buying Tips And Handy Hints To Successfully Manage Your Finances
Download this handy guide that the team at Intuitive Finance has put together for you.
Need a hand with the numbers?
Intuitive Finance in the Community
With every loan that we settle you have a choice to support Clontarf or Challenge — supporting kids with cancer. We donate $20 to one of these charities of your choice and then pay them annually. It’s our way of helping those less fortunate than us.
