Finance Partners

Construction finance support for owners

Finance Partners

Construction finance support for owners building with us. We do not lend and we take no commission from lenders.

Construction Finance

Most owners fund a build partly from savings and partly from a loan. We help you line the two up against the payment schedule so the site never stops waiting for money...

  • Home construction loans
  • Plot plus construction loans
  • Loan against property
  • Stage-linked disbursement
  • Top-up and balance transfer

Lender Relationships

We work alongside the lenders who actually fund construction in this market, and we know what each one asks for before it releases a stage...

  • Public and private sector banks
  • Housing finance companies
  • NBFC and project lenders
  • Local branch relationships
  • No commission taken by us

What We Give Your Lender

Disbursement stalls when paperwork is missing. We supply the lender with what it needs, on time, so your stage money arrives with the stage...

  • Approved plan and cost estimate
  • Contract copy and priced BOQ
  • Stage completion certificates
  • Site photographs and progress reports
  • Site access for the lender’s valuer

How the Finance Side Works

Four steps from enquiry to the first disbursement

  • 01 Enquire
  • 02 Assess
  • 03 Apply
  • 04 Disburse

Tell us what you plan to build, what you have in hand and what you expect to borrow. There is no charge and no obligation for this conversation.

We are not a lender, a DSA or a loan agent. We do not charge you for this help and we do not take a commission from any bank or NBFC. Which lender you choose is entirely your decision.

We prepare the cost estimate, the drawings and the contract copy that a lender will ask for, and tell you what is realistically fundable.

Lenders fund against a sanctioned plan and a defensible cost estimate. Where your plan is not yet sanctioned, our team takes it through before the application goes in, because an application on incomplete papers usually comes back rejected.

You apply to the lender of your choice, directly or through your own banker. We supply the project documents and answer the lender’s technical queries.

We will give your banker whatever they ask for in writing: the contract, the priced bill of quantities, the schedule and the specification. If a valuer wants to inspect the site, our supervisor meets them there.

As each stage completes, we issue the completion certificate and photographs the lender needs so the next tranche is released on time.

Stage-linked disbursement only works when the certificate reaches the lender the day the stage is done. That is our job on your file, and it is the single thing that keeps a funded site from going idle between tranches.

Common Finance Routes

Indicative only. Every sanction is the lender’s decision, not ours.

Construction loan

Typically funds

Up to 80%

of project cost, lender willing
  • Documentation prepared by us
  • Stage certificates issued on time
  • Valuer and site coordination
  • No fee or commission to us

Plot + build

Typically funds

Up to 75%

of project cost, lender willing
  • Documentation prepared by us
  • Stage certificates issued on time
  • Valuer and site coordination
  • No fee or commission to us

Loan against property

Typically funds

Up to 60%

of project cost, lender willing
  • Documentation prepared by us
  • Stage certificates issued on time
  • Valuer and site coordination
  • No fee or commission to us

Balance transfer

Typically funds

On assessment

of project cost, lender willing
  • Documentation prepared by us
  • Stage certificates issued on time
  • Valuer and site coordination
  • No fee or commission to us

Planning to build, or to buy and sell property?

Talk to our team about construction, property and project finance. The first consultation is free.