Residential Construction
Home LoansNegotiable rates
Our residential Construction Loans are tailored for individuals with dreams of constructing a new home, whether it’s for personal use, investment, or expanding your existing residence. The residential construction loans cater for both PAYG and self-employed borrowers. Whether you’re planning to build your dream home or invest in new properties, our loans aim to provide the financial support you need to bring your construction projects to life.
- From
- 8.49%
- 8.82% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Reverting interest rate may differ on completion of the construction period | 8.49% | 8.82% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | 125% of transaction |
| Monthly Account Fee Charged monthly | Ongoing | $15.00 |
Features
- Extra repayments
- Additional repayments are available after construction period
- Guarantor supported — Guarantors with financial benefit acceptable
- Redraw facility
- Digital banking
- Access your loan account online to view and track your loan via the La Trobe Financial website.
Constraints
- Maximum limit — $50,000,000.00$50,000,000 up to 60% LVR
- Maximum LVR — 8000%Maximum LVR of 80% available up to $3,000,000
- Minimum limit — $100,000.00
- Product only available for to-be-constructed dwellings by a registered builder
- Interest rate and LVR may differ depending on security property size and location
- Loan terms up to 30 years
More Information
Published by La Trobe Financial under the Consumer Data Right · Last updated 7 July 2026 · Product ID Residential Construction