Residential Construction Loans

Loan Purpose

Built to make construction lending easy

The ORDE Residential Construction product provides funding for house and land packages, new builds, and significant renovations.

Building or renovating a family home

Building or renovating investment properties, including duplexes

Purchasing and building on vacant land

Features

Construction loans developed to support more borrowers

Our flexible loans are delivered by a team with extensive experience in providing solutions and support to borrowers undertaking construction projects.

Loans up to $2.5m
Up to 80% LVR
Full Doc and Alt Doc
Prime and Near Prime borrowers
Up to 5 years’ interest only with no interest only loading
Automatically reverts to standard Residential interest rate upon completion of construction
No monthly or annual fees
No clawbacks

Why ORDE for Residential Construction loans?

Our loans are built for more — more flexibility, more support, and more confidence for you and your clients. Here's what makes us different.

Construction lending experts

With our team’s expertise, you’ll get a lender who can provide more than just funding. We’ll guide you and your customers through every step of the construction process, from valuations to progress payments and beyond.

Tailored support for unique circumstances

Alt Doc income verification options help provide loans to any self-employed or SME clients. We can also provide solutions for non-traditional scenarios, such as a builder-owner looking to do work on their own home.

Loans that buy time

Instead of rushing big decisions, ORDE can help structure a loan using our Vacant Land product to give customers valuable time to plan before building. When construction begins, they only pay the application fee on the loan increase to easily convert it to a Construction loan.

Solutions for the entire journey

Once building is complete, we automatically switch the loan to a standard Residential rate. With 30-year loan terms, ORDE supports your customers through the full journey, well beyond the construction process.

A family home built with Alt Doc lending solutions

Borrower Story:

Our broker’s clients were a married couple seeking funding for a house and land package to build their new family home. The settlement date for land purchase was coming up, but they were still finalising build plans and wouldn’t be ready to commence construction within 3 months.

ORDE quickly approved an Alt Doc Vacant Land loan using an Accountant’s Declaration to verify income for the self-employed borrower.

Our lending team remained closely involved in the months leading up to and throughout the build, providing guidance on valuations and progress drawdowns. Once construction was complete, the borrowers moved into their new home and over to our standard Residential loan.

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How can we help?

One Lending Team to make the complex simple

Knowledgeable Business Development Managers all across Australia

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Full range of loans to suit more borrowers

Explore the ins-and-outs of our product range in one easy-to-read guide.

Download our Broker Product Guide

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