Construction Finance & Property Development Loans in Perth

Cash flow stops more Perth builds and developments than any other single factor. The right construction finance lets you draw funds in stages aligned to building milestones (slab, frame, lock-up, fixing, completion) and pay interest only on what's been drawn. Get the structure wrong and a mid-build squeeze can stop a project cold. Get it right and the project hits completion on schedule.

Launch Finance has structured construction and development finance across the full spectrum of Perth projects, from single-dwelling owner-occupied builds to multi-apartment commercial developments.

Project types we finance

• Single or double-storey residential builds. LVR up to 95% with a registered builder
• Duplex and triplex developments. Residential investment or commercial structure
• Multi-apartment developments. Interest capitalised, LVR up to 65% of end value
• Commercial construction. Industrial, retail, showroom or office

What lenders look for

• Registered builder with fixed-price contract (or owner-builder credentials)
• Council and development approvals in place
• Clear exit strategy through pre-sales, refinance or end-debt servicing

The complexity is exactly why broker experience matters. Call 08 9367 4222 to discuss your project with a Perth construction finance specialist.

How does the construction loan drawdown schedule work?

Construction loans pay out in stages aligned to building milestones, typically slab (5 to 10%), frame (15 to 20%), lock-up (35 to 40%), fixing (20%) and completion (10 to 15%). You pay interest only on the amount drawn at each stage. The lender's panel valuer or quantity surveyor inspects the build before each progress payment is released.

Can I owner-build a home in Perth?

Yes, but financing is more challenging. Owner-builders generally need a higher deposit (often 20% or more), evidence of relevant trade or construction experience, an owner-builder permit where required, and a clear itemised cost breakdown. Loan-to-value ratios are typically lower for owner-builders than for fixed-price builder contracts.