Is Your Construction Loan for Commercial or Residential Purpose?

  1. COMMERCIAL  – Development/ Building Finance

  2. RESIDENTIAL – Home Renovation/ Building a New Home From Scratch.


AAA Construction
  • Feasibility is the first thing ‘AAA’ looks at in judging the quality of a project.
  • The feasibility must include a  5-10%p.a.contingency fee of the total construction cost.
  • Today pre-sales are very important.
  • Majority of major banks require at least 100% debt cover.
  • Private lenders – normally require from 0-25% debt cover. (Rates from 7.5%-12.5% p.a.)
  • The off-the-plan purchasers must be arm’s length from the builder/ developer
  • At ‘AAA’ we can put together the strategies that can mitigate the negatives of a lender’s credit department.

“The road to success is always under construction”…

Product Information

Loan TypeInterest Only or Interest Capitalising for terms up to 24 months
Loan Amount$250,000- $200 million
Interest ratesVariable Rate (90 Day Bank Bill + Margin) – Call us for a quote!
SecurityEligible commercial & Residential property


Establishment FeesApplication, Valuation, QS and Legal fees may apply
Ongoing FeesProgressive drawing fee may apply



AAA Residential Construction

Renovating or Building a New Home from Scratch?

Our Rate 3.86%pa.

Most banks will charge you a higher rate during the construction period, whereas our bank charges the same amount for construction as it does for a normal home loan.

Product Information

Loan TypeInterest Only 1-5 years.
Loan Amount$150,000- $2.5 million
Interest ratesSAME AS YOUR HOME LOAN – 3.99% pa.