Construction Loans › Can I get a construction loan as an owner builder?

Can I get a construction loan as an owner builder?

It is harder. Many lenders will not finance owner builders because there is no fixed price contract and the risk is higher. Some specialist lenders will consider it, usually with a lower maximum loan to value ratio.

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

Why this matters

Acting as your own builder removes the fixed price contract that lenders rely on, so the options narrow sharply and terms tighten. It is not impossible, but it usually means a larger deposit and a specialist lender. If you are weighing owner building, it is worth checking your finance options before you commit to the path.

The key points

Many lenders will not fund owner builders.
No fixed price contract means higher risk.
Specialist lenders may consider it on tighter terms.
Expect a larger deposit.

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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.