---
title: "Construction Home Loan — loans.com.au"
description: "Home Loans from loans.com.au. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/loans-com-au/products/lca-construction
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-21T00:06:30.340644Z
---

# Construction Home Loan — loans.com.au

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

**Home Loans · LCA**

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):** 7.09% (6.24% comparison)

## Apply

Applications are handled by the provider: [Apply at loans.com.au](https://www.loans.com.au/apply)

## Interest rates

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.09% | 6.24% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable | 7.29% | 6.26% | Loan-to-Value Ratio (LVR) 80.01–90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.19% | 6.88% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable | 7.39% | 6.9% | 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. | Upfront | $120.00 |
| Construction Investment Progress Fee — Construction Assessment Progress Fee charged at settlement to cover the cost of assessing each stage of construction. | Event | $650.00 |
| 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 |
| Application Fee — No application fee is charged when setting up the loan | Upfront | $0.00 |
| Security Assessment 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. | Upfront | From $230.00 |
| 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 |
| 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 |

## Features

- **Extra repayments** (Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to a maximum of $10,000 per year during the fixed term.)

## 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

- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **Maximum limit** — $1,500,000.00 (The maximum application amount available under this product is $1,500,000.)
- **The loan term must be at least 15 years.** — P15Y
- **The loan term cannot exceed 30 years.** — P30Y

## More information from loans.com.au

- [Overview](https://www.loans.com.au/home-loans/construction-loans/)

## Data provenance

- Published by loans.com.au under the Consumer Data Right
- Product ID: `lca-construction`
- Last updated by the provider: 21 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/loans-com-au/lca-construction
- Provider page: https://www.cdrcompare.au/brands/loans-com-au

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/loans-com-au/products/lca-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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