Construction Loans › What documents do I need for a construction loan?

What documents do I need for a construction loan?

Lenders generally want your income evidence, a signed fixed price building contract, the builder progress payment schedule, council approved plans and permits, and the builder details and insurance certificates.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Construction lending needs more paperwork than buying an existing home, because the lender is funding something that does not exist yet. Having the contract, plans, permits and builder insurance ready avoids delays. A broker can give you the full checklist for your chosen lender before you apply, so nothing holds up approval.

The key points

Income evidence, as for any home loan.
A signed fixed price building contract.
Council approved plans and permits.
Builder details and insurance certificates.

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Check Your Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

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More construction loans questions

Back to the full Construction Loans guide

Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.