---
title: "Link Construction Loan — LJ Hooker Home Loans"
description: "Home Loans from LJ Hooker Home Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2/products/link-construction
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T23:27:26.649579Z
---

# Link Construction Loan — LJ Hooker Home Loans

> Home Loans from LJ Hooker Home Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · LJH**

Construction loans can be used to provide finance when you are building a house, completing a major renovation or demolishing and rebuilding. It allows you to progressively draw down on the loan in stages, only paying interest on the amount drawn during the construction period.

## At a glance

- **From (owner occupied):** 7.34% (6.74% comparison)

## Interest rates

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Interest Only during Construction or for 12 months, whichever ends sooner) | 7.34% | 6.74% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable (Interest Only during Construction or for 12 months, whichever ends sooner.) | 7.54% | 7.12% | Loan-to-Value Ratio (LVR) 80.01–90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Interest Only during Construction or for 12 months, whichever ends sooner) | 7.44% | 7.02% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable (Interest Only during Construction or for 12 months, whichever ends sooner.) | 7.64% | 7.31% | Loan-to-Value Ratio (LVR) 80.01–90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Construction Administration Fee — Construction Administration Fee charged at settlement to cover the administrative costs of managing a construction loan during the building period. | Event | $120.00 |
| Construction Assessment Progress Fee — Construction Assessment Progress Fee charged at settlement to cover the cost of assessing each stage of construction. | Event | $650.00 |
| Documentation Fee — A fee charged for preparing and processing the loan documentation required for settlement. | Event | $300.00 |
| Discharge Documentation Fee — A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |
| Valuation Fee — A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. | Event | From $221.00 |
| Application Fee — No application fee is charged when setting up the loan. | Upfront | $0.00 |
| Settlement Fee — A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan. | Event | $300.00 |
| Discharge Administration Fee — A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |

## Features

- **Extra repayments** (Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster.)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this loan.)
- **Residency status** — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.

## Constraints

- **The loan term must be at least 15 years.** — P15Y
- **The loan term cannot exceed 30 years.** — P30Y
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **Maximum limit** — $3,000,000.00 (The maximum application amount available under this product is $3,000,000.)

## Data provenance

- Published by LJ Hooker Home Loans under the Consumer Data Right
- Product ID: `link-construction`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/lj-hooker-home-loans-18b7e2/link-construction
- Provider page: https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/lj-hooker-home-loans-18b7e2/products/link-construction) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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