Dreaming of building or renovating your home?
A construction loan provides access to funds in several stages as your project progresses. You’ll only pay interest on the money you’ve used, giving you flexibility and greater control over your finances. OSHIN HOME LOANS will walk you through everything—from progressive drawdowns and property valuations to repayment structures—so you can build your dream home with confidence and peace of mind. OSHINS’s experienced brokers are here to support you every step of the way.
*We will navigate you through explaining loan structure, amount, interest rate options, repayment flexibility, lender selection, government incentives and more.
*We will explain differences between construction loans and standard home loans.
*Helping you secure pre-approval before you buy land or begin your build.
*Coordinating with your builder, valuer, and lender to ensure each stage payment runs smoothly.
*Offering guidance on budgeting and managing your cash flow during construction.
*Clarifying the documentation and requirements for each progress payment.
*Assisting with final loan settlement once your home is complete.
With Oshin Home Loans, you’ll have a trusted partner to guide you through the complexities of construction finance, ensuring a smooth and confident building journey. Our team is dedicated in providing expert advice and personalised service, helping you bring your dream home to life — exactly the way you’ve envisioned it.
Pros
- Customisation: You have full control over the design, layout, and finishes, allowing you to build a home tailored to your specific needs and preferences.
- Potential cost savings: In some cases, building can be cheaper than buying an existing property, especially when taking advantage of house and land packages, government incentives, and stamp duty concessions for new builds.
- New and modern: Enjoy the latest building materials, technologies, and energy- efficient features.
- Lower ongoing costs: New homes are often more energy-efficient, which can lead to lower energy bills, and will have lower initial maintenance costs compared to older homes.
- Incentives: You may be eligible for government grants and concessions for first-home buyers and new builds.
- Long-term value: A new build can increase in capital value over time, especially if built in a desirable location or growing area.
- Warranty and support: Benefit from builder warranties and support for defects or issues.