Building your dream home or rebuilding on your block? We arrange progressive drawdown construction loans — and family guarantee options to help you get there sooner.
Whether you're building from scratch, doing a knock-down-rebuild, or using a family guarantee to enter the market, we structure construction finance to suit each stage.
Construction loans release funds in stages as your build progresses, so you only pay interest on what's drawn at each stage.
From a new build on vacant land to demolishing and rebuilding on your existing block — we match you to the right lender.
A family guarantee can help buyers enter the market with a smaller deposit and may reduce or avoid lenders mortgage insurance.
We help you understand the documentation lenders need — fixed-price contracts, plans and progress schedules — to keep your build on track.
Building has more moving parts than a standard purchase. We coordinate the finance so you can focus on the build.
We assess your budget and goals, then seek pre-approval so you can sign your building contract with confidence.
We compare 40+ lenders for construction-friendly products and, where relevant, structure a family guarantee.
As each construction stage completes, we help coordinate the drawdown so your builder is paid on schedule.
Once your home is built, we help transition the loan to its ongoing structure and review it stays competitive.
Construction loans can stall when paperwork and drawdowns aren't managed carefully. With more than a decade in finance, Kevin knows what lenders expect at each stage — and keeps your build moving by staying on top of valuations, progress payments and approvals.
Founded by Kevin Oliveira, who brings more than 10 years of experience across Australian finance and banking, OLEND puts your interests first — finding the right loan for you, not the easiest one for us. We help clients right across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta.
Answers to the questions Sydney clients ask us most about building and family guarantee loans.
A construction loan releases funds progressively as your build reaches each stage — such as slab, frame, lock-up and completion — rather than as a single lump sum. You typically pay interest only on the amount drawn at each stage, which can help manage cash flow during the build.
A family guarantee allows a family member to use equity in their own property as additional security for your loan. This can help you borrow with a smaller deposit and may reduce or avoid lenders mortgage insurance. We structure these carefully so everyone understands their responsibilities.
Lenders generally require a fixed-price building contract, council-approved plans, and a schedule of progress payments, along with your usual income and identification documents. We'll give you a clear checklist so nothing holds up your approval.
Yes. Knock-down-rebuilds are a common use of construction finance. The structure depends on your equity, the build cost and the lender. We help you find a lender comfortable with your project.
During construction you usually make interest-only payments on the drawn amount. Once the build is complete, the loan typically converts to principal and interest. We'll explain how your repayments will change over the life of the loan.
Yes — we help clients building across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta, as well as across NSW.
Planning to build, rebuild, or buy with family support? Share a few details and Kevin will be in touch — usually within 24 hours. There's no cost and no obligation.
