Land and Construction Loans
Get approved quickly with flexible repayment options tailored to your financial situation. No hidden fees, no stress.
Quick Calculator
$5500
Your repayment is:
$137.50
Weekly
Repayment amount is a guide only. Actual fees and charges may apply.
Indicative Rates & Examples
Transparent pricing with no hidden surprises. See what your repayments could look like across different loan terms.
Borrow
$500
Costs:
$165
Borrow
$1,000
Costs:
$330
Borrow
$1,500
Costs:
$495
Borrow
$2,000
Costs:
$660
Example Scenario
A personal loan of $1,000 over 3 months has fees and charges totalling $330. Minimum term: 2 months | Maximum term: 3 months | Max ACR: 48.67% | Total repayments: $1,330
Borrow
$500
Costs:
$220
Borrow
$1,000
Costs:
$440
Borrow
$1,500
Costs:
$660
Borrow
$2,000
Costs:
$880
Example Scenario
A personal loan of $1,000 over 6 months has fees and charges totalling $440. Minimum term: 2 months | Maximum term: 12 months | APR: Not applicable
Borrow
$2,100
Costs:
$1,345
Borrow
$2,200
Costs:
$1,390
Borrow
$2,500
Costs:
$1,525
Borrow
$2,999
Costs:
$1,749
Example Scenario
A personal loan of $2,500 for 13 months has fees and charges totalling $1,525. Min: 12 months | Max: 13 months | Max ACR: 44.95% | Comparison Rate (based on $2,500 over 24 months): 34.28%
Borrow
$3,000
Costs:
$1,750
Borrow
$3,500
Costs:
$1,975
Borrow
$4,000
Costs:
$2,200
Borrow
$4,600
Costs:
$2,470
Example Scenario
A personal loan of $4,000 for 15 months has fees and charges totalling $2,200. Min: 15 months | Max: 16 months | Max ACR: 45.31% | Comparison Rate (based on $2,500 over 24 months): 34.28%
Borrow
$5,000
Costs:
$2,650
Borrow
$6,000
Costs:
$3,100
Borrow
$7,000
Costs:
$3,550
Borrow
$7,500
Costs:
$3,775
Example Scenario
A personal loan of $5,000 for 19 months has fees and charges totalling $2,650. Min: 19 months | Max: 20 months | Max ACR: 46.03% | Comparison Rate (based on $10,000 over 36 months): 25.35%
Important Disclaimer
These examples are provided for illustrative purposes only and do not constitute a quote, offer, or approval guarantee. Actual repayment amounts may vary materially depending on individual credit assessments, final loan approval terms, and any adjustments to fees or interest rates that may apply.
Comparison Rate Notice
The Comparison Rate is based on specific loan amounts and timeframes. Different loan amounts and terms result in different Comparison Rates. Costs such as redraw and early repayment fees are not included but may influence total borrowing costs. Contact us or visit our website for complete details.
Building a new home is divided into different stages. The complete procedure needs time as well as money. Various housing finance are available. But you will not need the complete amount of the loan all at a time. So, if you are starting from scratch with the construction of your dream home then land and construction loans is what you need.
Taking out a loan all at a time means you will be charged with interest on the complete amount right from the start till repayment. To avoid this you can apply for land and construction and get the money when needed. With this loan you can break up the approved amount and obtain it during the different construction phase. Once a phase is done, you can draw the next portion of the loan money.
Interest will be calculated only on the amount that has been withdrawn and used. Not every lender offers the same land value. Therefore, make sure that you check with the lenders how much they will lend. Comparing the rates and value offered will help you take better decisions. Land and construction loan can be obtained from different lenders. The complete cost of this loan will be based on the value of the land along with the cost of building materials used.
Once construction is complete, you may get your property revalued and borrow against the value of the property again. This loan has been specially designed to ease the financial burden faced during the construction phase. During the construction process, the repayments are interest only, which means lower repayments.
Apply for land and construction loans with us at Installment Loans and you will get to save time and money as you will not have to apply for more cash again and again as you run out of funds during the construction process of your dream home.
Why Choose Us
We're committed to making loans simple, transparent, and accessible to Australians just like you. With over a decade of experience in financial services, we understand what borrowers need.
100% Online, No Paperwork
Complete your entire application online in minutes. No forms to print, no documents to mail, no trips to the bank. Everything happens securely through our encrypted platform.
Flexible Repayment Terms
Choose weekly, fortnightly, or monthly repayments that align perfectly with your pay cycle. Take control of your finances with repayment options that work for you.
Transparent & Secure
No hidden fees, no surprises. Your data is encrypted and protected with bank-level security. We believe in total transparency in every transaction.
Simple Application Process
Get approved in just 3 easy steps
1
Apply Online
Fill out your personal and financial details in our secure online form. It's quick, easy, and takes less than 5 minutes. We only ask for essential information.
2
Get Approved
Our team reviews your application and provides a decision within 24 hours. We'll contact you directly to discuss your loan terms and answer any questions.
3
Receive Funds
Once approved, funds transfer directly to your nominated bank account on the same or next business day. Access your funds quickly when you need them most.
What Our Customers Say
Real feedback from real customers who trusted us with their financial needs
Super Fast & Easy
I was approved and had funds in my account within 24 hours. The entire process was straightforward and hassle-free. Exactly what I needed!
Excellent Support
The team answered all my questions thoroughly and professionally. They explained everything clearly and made me feel confident about my decision.
Flexible & Fair
I loved being able to choose my own repayment schedule. The flexibility with fortnightly payments aligned perfectly with my payday. Couldn't ask for better!
No Hidden Fees
Transparent pricing with absolutely zero surprises. The total cost was exactly what they quoted. This is how borrowing should work!
Ready to Get Started?
Apply now and get a decision within 24 hours. Available anywhere in Australia.