Construction Funding.
You have a contract with your builder. Now you need funding that releases stage by stage - not a lump sum accruing interest from day one. We structure the loan across 60+ lenders and manage every progress draw.
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Won't affect your credit score.
What can we help you with?
How It Works
Staged funding that keeps your build moving.
Construction funding releases cash in stages - progress draws - as the build hits major milestones. Funds arrive when the work needs paying for, not as a lump sum accruing interest from day one.
New home, major renovation or commercial project - we structure the facility around your building contract and manage every draw from slab to completion.
Pay Interest Only on What's Drawn
Funds release in stages as the build hits milestones. Interest applies to what's drawn, not the full loan.
Single Dwelling to Full Development
One structure doesn't fit every project. We cover single homes through to commercial and industrial builds.
Rates Negotiated Across 60+ Lenders
Construction rates vary more than you'd think. We shop the panel to keep your build on budget.
Funding That Keeps Pace
We run the file from application to final draw, so finance never holds up the build.
Who It's For
Construction funding - who uses it and how it works
Anyone financing a build, from a single home to a staged development.
Property Developers
Progressive drawdowns structured around your build schedule and sales program - residential or commercial.
Home Builders
New builds and major renovations, funded milestone by milestone - slab to completion.
Investors
Build purpose-fit assets - residential, commercial or mixed use - instead of paying retail for finished stock.
Construction Companies
Funding that releases with each completed stage keeps cash flow steady across concurrent projects.
Run The Numbers
Calculate your construction loan repayments
Enter your loan details
Estimated repayment
$36,364.54 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why developers and builders choose construction funding
Interest-Only While You Build
Repayments stay light until the project starts generating returns.
A Draw Schedule That Matches the Build
Milestones, draws and interest method structured around your contract - not the lender's template.
Funds Released Only as Needed
Money lands when the work is done, keeping every stage financially disciplined.
Small Builds to Large Developments
One product covers a duplex, a warehouse or a 40-lot subdivision.
Someone Who's Done This Before
We run the finance from application through every progress draw to completion.
No Surprises at Draw Time
You know what each progress draw costs and which milestone triggers each release.
Why Co-Pilot
Why Co-Pilot - not just any construction lender
Construction Lending Is Its Own Game
Residential, commercial and industrial builds of all sizes. We know how construction credit teams think.
Built Around Your Project
We work with you and your builder to line the loan up with your schedule.
Sharper Rates via 60+ Lenders
We shop the full panel for the terms that suit your project, not the first bank that says yes.
Fast Approvals
We pre-qualify your file and know which lenders move fastest on construction - real decision timelines, not promises.
Progress Draw Management
We coordinate builder, valuer and bank at every stage - so the build never stalls waiting on funds.
Straight Terms
You know exactly what you're signing and what happens at each stage.
Eligibility
Construction funding eligibility - most projects with a licensed builder qualify
Lenders want to see the project stands up before the first draw. Here's what most ask for.
- Fixed-price building contract with a licensed builder
- Approved council or building permit for the project
- Land owned outright or sufficient equity in existing property
- Financial statements or evidence of income to support servicing
- Detailed construction timeline with milestone schedule
Not everything in order yet? Talk to us early - we'll prep the application and line up the right lender before you break ground.
Ready to start your build?
Planning stage or ready to break ground - tell us the project and we'll come back with your borrowing capacity and the right facility.
Hear What Our Clients Are Saying
“Steven was an absolute pleasure to work with throughout the process start to finish. He made our life easier, answered all our questions and helped us navigate the whole loan process. Couldn't reccomend him high enough!”
Josh Sheil
FAQ
Common Questions About Construction Funding
Ready to break ground? Let's get your build funded.
Tell us the build type, site, builder and timeline. We'll shop it across 60+ lenders - most files get an initial assessment within 48 hours.
No impact to your credit score