1
Book Your Free Consultation
Tell us about your build — land, builder, timeline, and budget. No commitment required.
2
We Find the Right Construction Finance
We compare construction finance options across 70+ lenders and match you with the right structure for your build.
3
We Handle the Details
From application through every progress payment to final completion — we manage the process.
4
Your Home is Built and Funded
Your home is built. Your finance is sorted. Keys in hand.
Outstanding Service
Unlocked provided outstanding service throughout our home buying process. Their expert guidance and support made everything smooth and straightforward. We’re now happily settled in our first home, and we couldn’t be more grateful. Highly recommended!
Find out why our happy clients chose Unlocked.
We search 70+ lenders for the right
construction finance for your build.
We work for you,
not the banks.
Our clients become
our biggest advocates.
Building a new home or undertaking major renovations involves a different type of finance. At Unlocked, we specialise in making that process as straightforward as possible.
Are you planning to build a new home or undertake major renovations? The world of construction loans can be complex and overwhelming. At Unlocked, we’re here to make your journey from blueprint to move-in day as smooth as possible.
A construction loan works differently from a standard home loan. Rather than receiving the full amount upfront, the loan is released in stages as your build progresses — which means you only pay interest on what’s been drawn down, not the full loan amount from day one.
Your lender releases funds directly to your builder at key stages of construction. The standard stages are:
These stages may vary based on your builder’s contract. Your broker will confirm the schedule that applies to your loan.
Due to the specialist nature of construction loans and the ongoing coordination required throughout the build, a service fee applies to this type of finance. We’ll be transparent about this upfront and ensure you understand exactly what’s covered before you proceed.
Sam & Chloe Benz
Dealing with banks directly can mean weeks of forms, repeated calls, and no guarantee of the best result. We do the running around for you — across 70+ lenders simultaneously — and come back with options, not questions.
You probably know through experience that dealing with banks can be time-consuming. The constant back and forward slows things up. Not at Unlocked, we get the results that you want faster.
100% Independent Advice
We’re not aligned to any bank or lender. Our only job is to find the right option for you.
One Dedicated Broker
The broker you meet first is the broker who sees your loan through — start to finish.
Ongoing Loan Support
We check in after settlement too. If your rate stops being competitive, we’ll let you know.
Plain-English Communication
No jargon, no fine-print surprises. We explain everything in terms that actually make sense.
At Unlocked, Knowledge is the first step. Use our free tools to get a quick picture of where you stand — then talk to us about what it means for your situation.
Find out how much you may be able to borrow based on your income, expenses, and deposit.
Fixed rate ending soon? See how your repayments may change when it rolls over — before it happens.
See how your current loan compares to what’s available. A quick check that could open up your options.
At Unlocked, Market updates, practical guides, and straight-talking finance education — to help you make better decisions.
