What We Offer
Comprehensive construction loans solutions tailored to your needs with expert guidance and competitive rates
Progress-payment lending
Professional guidance and support throughout your loan journey.
Competitive construction rates
Professional guidance and support throughout your loan journey.
Expert builder guidance
Professional guidance and support throughout your loan journey.
Flexible drawdown schedule
Professional guidance and support throughout your loan journey.
Pre-construction planning
Professional guidance and support throughout your loan journey.
End-to-end support
Professional guidance and support throughout your loan journey.
Why Choose Our Construction Loan Services?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Progress Payment Management
We handle all progress payments to builders, ensuring smooth construction flow.
Builder Approval
We work with approved builders and can help you find reputable construction partners.
Flexible Terms
Construction loans with flexible terms to match your building timeline and budget.
Interest-Only During Build
Pay only interest during construction, then switch to principal and interest once complete.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationConstruction Loan Process
Simple, transparent steps to get your construction loans approved with expert guidance every step of the way
Land Purchase
Secure financing for your land purchase with construction loan pre-approval.
Builder Selection
Choose from our network of approved builders or get your preferred builder approved.
Construction Contract
Review and finalise your construction contract with builder warranties.
Progress Payments
We manage progress payments to your builder as construction milestones are met.
Completion & Handover
Final inspection, completion certificate, and handover of your new home.
“Once your application is in, I keep things moving through to settlement and stay in touch so you know where you stand.”
Kathryn
Settlement & Client Liaison
What Our Customers Say
Based on 340+ verified Google Reviews.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above an…"
Read moreEmi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! H…"
Read moreRajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free…"
Read moreSS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my in…"
Read moreGarima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went ab…"
Read moreInfo Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a…"
Read moreGopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helpe…"
Read moreNaga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn'…"
Read moreAndrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-…"
Read moreKamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right directio…"
Read moreAdam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Su…"
Read moreYash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process…"
Read morePraneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal…"
Read moreSudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Aus…"
Read moreChloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always…"
Read moreSuvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for…"
Read moreAlex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two…"
Read moreJay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highl…"
Read moreManjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of…"
Read moreTyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straig…"
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Frequently Asked Questions
Common questions about construction loans answered by our expert team
What is a construction loan?
A construction loan is a short-term loan used to finance the building of a home. It's typically interest-only during construction and converts to a standard home loan once building is complete.
How do progress payments work?
Progress payments are made to your builder at key construction milestones (slab, frame, lock-up, completion). Lender will inspect the work and release funds accordingly.
Can I use any builder?
You can choose any registered builder. Lenders do not have approved builders - there is no such thing. Client can choose any builder of preference as long as it is a registered builder.
How long does it take for the lender to pay the progress payment invoice?
Most claims are paid by the lenders within 2-3 days, however 1st and last payment usually takes about a week as lender will send an inspector to check the works before payment can be released.
How is the progress payment claim submitted?
Once progress payment invoice is sent by your builder, please print, sign (not e-sign) and write "please pay the builder" and send it to us for processing.
Still have questions about construction loans?
