Australian Construction Loan Calculator
Your build's drawdown, stage by stage.
Construction loans draw progressively, and the repayments grow with each stage. Map the interest-only cost from land settlement to handover, and the principal & interest repayment that follows.
Land, build contract, your contribution. I'll map the drawdown.
RBA rate update · 11 August 2026 applied
1 · Your project
Project typeLand settles first, then the build contract draws in stages.
Cash savings or released equity. Lenders apply your funds first, then draw the loan.
Sets the land transfer duty estimate. Buying land then building means duty is generally assessed on the land only... not the finished house.
2 · Your loan
Default variable rate. Construction pricing varies by lender... edit anytime.
Contract signing to practical completion.
3 · Progress payment schedule
A common schedule for fixed-price contracts... your building contract sets the actual stages. Tap any stage to match yours.
Estimate only. Not a credit offer, quote or approval. Subject to lender criteria, fees, charges and individual circumstances. Progress payment stages are set by your building contract... these are common percentages, not a rule. Get in touch for a personalised assessment.