Start with the questions that matter
How will progress payments work?
What costs sit outside the build contract?
How much contingency should we keep?
Understand the funding path
We review the land position, build contract, available funds and expected completed value. We then explain how the lender may release progress payments and what must be provided at each stage.
A fixed-price contract can provide more cost certainty, but allowances, variations, landscaping, connections, professional fees and interest during construction may still sit outside the headline build price.
How we can assist
- Land and build funding assessment
- Review of the build contract from a lending perspective
- Deposit and equity planning
- Progress-payment requirements
- Valuation and lender-condition coordination
- Interest and cash-flow planning during construction
- Refinancing an existing property to support the build
Allow room for change
Delays, variations and cost increases can place pressure on the budget. A contingency should be considered before the build starts, and variations should be discussed before committing to them.
Your lawyer should review the contract and title. Your builder, architect, quantity surveyor and council professionals remain responsible for construction, design, cost and consent matters.
Funding mapped from land to completion.
We map the funding from land and deposit through each progress claim to completion. You will understand what the lender needs, what you must fund and where cost pressure could emerge.
Construction funding remains subject to lender approval, acceptable contracts, valuations, consents, insurance and progress-payment evidence.
