Construction Funding.
You have a build scheduled and a contract with your builder. What you need is funding that releases stage by stage - not a lump sum you're paying interest on from day one. We structure the right construction loan across 60+ lenders and manage the progress draw process from start to finish.
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Won't affect your credit score.
What can we help you with?
How It Works
Staged funding that keeps your build moving.
Construction funding releases cash in stages - called progress draws - based on the completion of major milestones. This means you get the funds when you need them, helping you stay on budget and keep things moving forward without over-capitalising early in the build.
At Co-Pilot Finance & Insurance, we offer flexible construction funding options for businesses and individuals at all stages of the building process. Whether you're building a new home, doing major renovations, or undertaking a large commercial project, we get solutions that fit your needs and timeline.
Our comprehensive construction funding solutions are made to give you the flexibility and reliability you need to turn your vision into reality - from first draw to final completion.
Progressive Payment Options
Funds released in stages aligned with your project's progress milestones - so you only pay interest on what you've drawn, not the full loan amount.
Customised Financing Solutions
Tailored to match your project size and financial goals - from single dwellings to large commercial and industrial developments.
Competitive Interest Rates
Affordable rates across 60+ lenders to keep your construction on budget. We negotiate to find the best outcome for your project.
Fast Approvals
Timely access to funds for uninterrupted progress. Our team manages the process from application to project completion so you can focus on building.
Run The Numbers
Calculate your construction loan repayments
Enter your loan details
Estimated monthly repayment
$36,364.54
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Who It's For
Construction funding - who uses it and how it works
Construction funding is ideal for anyone financing a build - from single-home projects to large-scale developments.
Property Developers
Finance large residential or commercial developments with structured progressive drawdowns aligned to your build schedule and sales program.
Home Builders
Support new builds or substantial renovations with a loan structure that matches construction milestones - from slab to completion.
Investors
Finance property development to grow your investment portfolio through purpose-built assets - residential, commercial, or mixed use.
Construction Companies
Manage cash flow for ongoing projects with structured funding that releases with each stage of work completed.
Key Benefits
Why developers and builders choose construction funding
Efficient Cash Flow Management
Access funds at critical stages, reducing financial strain. Interest-only during construction keeps repayments manageable until the project generates returns.
Tailored Loan Structure
The customised solution aligns with your target requirements - draw schedule, milestone definitions, and interest calculation method all structured around your build.
Improved Budget Control
Funds are disbursed only as needed, minimising unnecessary costs and keeping your project financially disciplined at every stage.
Flexibility
This funding type is available for a wide variety of construction projects - from small individual builds to large-scale developments.
Expert Guidance
Our professional advisors guide you through the complexities of construction finance, from application through to each progress draw and final completion.
Transparency
Clear terms and conditions with no hidden charges. You know exactly what each progress draw costs and what milestones trigger each release.
Why Co-Pilot
Why Co-Pilot - not just any construction lender
Industry Expertise
Extensive experience in financing building projects of all sizes - residential, commercial, and industrial. We understand construction lending inside and out.
Tailored Solutions
We work with you and your builder to align the loan structure with your project schedule and financial requirements.
Affordable Rates via 60+ Lenders
Competitive interest rates to minimise your budget impact. We search our full lender panel to find the most favourable terms for your construction project.
Fast Approvals
We pre-qualify your application and know which lenders move fastest on construction deals - so you get a real decision timeline, not just promises.
Progress Draw Management
We coordinate each stage payment between your builder, the lender's valuer, and the bank - so your build doesn't stall waiting for funding to release.
Transparent Agreements
Clear, straightforward terms with no hidden charges. You know exactly what you're signing and what to expect at each stage.
Eligibility
Construction funding eligibility - most projects with a licensed builder qualify
To qualify for construction funding, lenders typically need these criteria met. Our team will guide you through each step of the application process.
- Fixed-price building contract with a licensed builder
- Approved council or building permit for the project
- Land owned outright or sufficient equity in existing property
- Financial statements or evidence of income to support servicing
- Detailed construction timeline with milestone schedule
Don't have everything in order yet? Talk to us early - we can help you prepare your application and identify the right lender before you break ground.
Ready to start your build?
Whether you're at the planning stage or ready to break ground, talk to our team. We'll help you understand your borrowing capacity and structure the right construction facility for your project.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Construction Funding
Ready to break ground? Let's get your build funded.
Tell us about your project - build type, site, builder, and timeline. We'll come back with honest construction funding options across 60+ lenders, no obligation. Most applications get initial assessment within 48 hours.