Low rate construction loans for your next project

We can help our clients arrange new construction loans from as little as $150,000. This could be for the first-time commercial property builder to the more sophisticated larger scale commercial construction loan of $10,000,000 plus.

A commercial construction loan facility is typically a type of commercial property finance that can be provided in a number of different forms. It is important to match a construction loan with the cash life cycle of the construction project.

Our team have many years' experience in putting the pieces together to make everything fit in the right order. Having the right strategy here will minimise the amount of equity required and will help you maximise your project's ROI.

Constructing a new building or re-developing an existing property to sell for a profit, use for your own needs, or rent out for income, can be a successful financial strategy. The team at Fox Home Loans can help your organisation navigate any commercial construction project to success.

Commercial Building Loan Australia
Architects planning the layout of a commercial building.

Your team of commercial lending specialists

Finding the best construction loan for your business and going through the application process can be a lengthy, costly, and time-consuming process. Whereas individual lenders may only have a limited suite of loan options, using a broker such as Fox Home Loans can give you access to multiple lenders with just one application. Using our team of commercial construction lending specialists can also save you time and money, provide the largest choice of loan products, and give you the most competitive rates and fees.

Secure finance for your commercial construction project

Constructing or re-developing a property is a capital-intensive task. Large upfront costs to pay for land, planning, construction materials and labour will be incurred. These costs must be met before the property can be re-sold or used to generate income. Additionally, because the property may not exist yet, (it’s a new-build), or it will undergo significant change, (re-development), it is very difficult to secure a traditional residential or commercial mortgage to pay upfront costs. Instead, builders, businesses, and developers will use a construction loan to cover the project’s initial expenses.

Apply for a Commercial Construction Loan Today
A commercial property being constructed.

How to find the right construction loan for your business

Constructing a new building or re-developing an existing property can be challenging enough. The last thing you need is a difficult loan application process too. Take the headache out of securing the best construction loan for your business. Contact Fox Home Loans today to start building your next big thing.

We realise that each lender will have varying degrees of flexibility and appetite for each different project that is put to them. We have over 40 lenders on our lending panel, and they range from private lenders to the major Australian Domestic Banks.

It's our job to help keep the banks competitive and accordingly, we work hard to find the right commercial property finance solution at the best possible price for all different types of commercial property or construction loans.

Apply for a Commercial Construction Loan Today

Home Loan Options

Pre Approval

Home loan pre-approval is a process by which a lender reviews your financial and credit history to determine how much money they would be willing to lend you for a home purchase. Pre-approval is not a guarantee that you will receive a loan, but it does provide an indication of how much you can borrow and the terms of the loan.

To obtain pre-approval, you typically need to provide the lender with information about your income, assets, and debts, as well as your credit score. The lender will use this information to assess your creditworthiness and calculate how much they are willing to lend you.

The pre-approval process typically takes a few days to a week, depending on the lender and the complexity of your financial situation. Once you receive pre-approval, you can start shopping for homes with the confidence of knowing how much you can afford to borrow.

Enquire for Pre Approval

First Home Buyer

A first home buyer loan is a type of home loan specifically designed for individuals who are purchasing their first home. These loans typically have features that are intended to help first-time buyers enter the property market, such as lower deposit requirements, reduced or waived fees, and government incentives.

It’s important to do your research and compare the features and costs of different loans to find the one that best suits your individual needs and financial situation. Or leave it to the experts at Fox Home Loans. We’re here to help first home buyers navigate the complex road to owning their first home.

Enquire for your First Home Loan

Home Loan Refinance

Home loan refinance is the process of replacing an existing home loan with a new loan from a different lender or with a different loan product from the same lender. The primary purpose of refinancing a home loan is usually to obtain a better interest rate or to access different loan features or benefits.

When you refinance a home loan, you essentially pay off the existing loan with a new loan, and the terms and conditions of the new loan may differ from those of the old loan. For example, you may be able to obtain a lower interest rate, switch from a variable rate to a fixed rate or vice versa, or access features such as offset accounts or redraw facilities.

Refinance your Home Loan

Home Loan Switching

Before you start the process of switching home loans, it’s important to consider why you want to make the switch. Do you want to lower your interest rate, access different loan features, or consolidate debt? Understanding your reasons for switching can help you choose the right loan product and lender.

It’s important to note that switching home loans can be a complex process, and it may be helpful to seek advice from a mortgage broker like Fox Home Loans to ensure that you are making the right decision for your individual circumstances.

Switch Home Loans

Investment Property Loans

An investment property loan is a type of home loan designed specifically for individuals who are looking to purchase a property for investment purposes rather than to live in themselves. These loans are typically used to purchase a property that will be rented out, with the rental income used to help repay the loan.

It’s important to carefully consider the costs and risks associated with investing in property and to do your research to find the right investment property loan for your needs. A financial advisor or mortgage broker may be able to provide guidance and advice to help you make informed decisions about your investment strategy.

Enquire for an Investment Property Loan

Renovation Loan

A renovation home loan, also known as a home renovation loan or a home improvement loan, is a type of home loan that is specifically designed for borrowers who want to renovate or improve their existing home. These loans can provide funding to cover the cost of renovations or improvements, which can be a more affordable way to upgrade a home than selling and buying a new property.

If you are considering a renovation home loan, it’s important to have a clear understanding of your renovation plans and budget, and to work with a reputable lender or mortgage broker who can help you find the right loan product for your needs.

Enquire for a Renovation Loan

Some Handy Calculators

Calculate Your Borrowing Power
Calculate Your Borrowing Power

Work out how much you can borrow based on your income and expenses

Calculate Now
Refinance Calculator
Refinance Calculator

Discover how much you can save by refinancing or switching home loans

Calculate Now
Stamp Duty Calculator
Stamp Duty Calculator

All it takes is a few easy steps to find out your upfront costs

Calculate Now
Property Purchase Calculator
Property Purchase Calculator

Work out how much it could cost you to purchase a property

Calculate Now
Commercial Construction Worker

5 Simple Steps To Getting Your Loan

  • 1. Enquire
    1. Enquire

    Enter some basic details in our simple online form.

  • 2. Speak with an Expert
    2. Speak with an Expert

    Discuss your commercial loan preferences and application information.

  • 3. Get Pre-Approval
    3. Get Pre-Approval

    Your Lending Specialist will discuss all details of your commercial property pre-approval.

  • 4. Sign your documents
    4. Sign your documents

    With our technology, you can simply sign your loan documents electronically.

  • 5. Finalise Your Commercial Opportunity
    5. Finalise Your Commercial Opportunity

    Once settlement occurs, you'll be able to move forward with your commercial venture.

5 Simple Steps To Getting Your Loan

What Our Clients Say

Why Choose Fox Home Loans?

Questions about Commercial Construction Loans?