At Velox Capital, we provide tailored construction loan and development finance solutions to support builders, developers, owner-builders and investors through every stage of the property development lifecycle. Whether you are constructing your dream home, building to sell or undertaking a multi-stage development, we structure funding that aligns with your timeline, risk profile and project goals.
We understand that construction loans are more complex than traditional mortgages. That is why we guide you through each step, from land purchase to progress drawdown and final completion. With access to over 40 lenders and deep experience in residential, commercial and development loan structuring, Velox Capital delivers finance with clarity, speed and confidence.
Why Choose Velox Capital for Construction Loans?
- Personalised Lending Strategies
No two projects are the same. Whether you need a home construction loan or a multi-site development loan, we take the time to understand your financial position, building contract, and drawdown schedule. We recommend construction loan structures that support your build from day one to final certification. - Fast and Efficient Process
Construction finance requires tight timing. From initial approvals to staged progress payments, we manage the entire process so you can stay focused on the build. Our goal is to secure funds efficiently with minimal delay. - Honest Advice, Clear Options
As your construction finance broker, w explain the pros and cons of fixed price, cost-plus and owner-builder loans so you can make informed decisions. We compare lender options, outline progress payment terms and clarify costs without using jargon. - Long-Term Financial Partnership
We support you well beyond one project. Whether you are building a home, duplex or larger development, Velox Capital helps you plan future stages, manage refinances and structure your next development finance with foresight and flexibility.
Construction Loan Solution We Offer
At Velox Capital, we offers a wide range of construction loan and development finance solutions for individuals, builders and investors.
Home Construction Loans
Building your own home? We guide you through the process of securing a home construction loan that covers land acquisition, staged construction and final valuation. We ensure your loan is structured for cash flow certainty throughout the build.
Development Loans
From small-scale residential projects to commercial developments, we structure development loans that support land purchase, subdivision, planning, construction and sales. Whether you are a first-time developer or managing multiple projects, we match your finance strategy to your timeline and exit plan.
Owner-Builder Finance
Traditional lenders may not understand the complexities of owner-builder funding. Velox Capital works with lenders who support alternative documentation, custom building schedules and cost-plus contracts to give you flexibility and control.
Duplex, Triplex and Multi-Dwelling Projects
For investors looking to maximise land use, we provide development finance tailored to your project’s scale and cash flow. Our lending structures take into account council approvals, construction phases and anticipated sales or refinance strategy.
What Sets Us Apart
Our clients consistently say we make the complex feel simple. Here is why builders and developers choose Velox Capital:
- We simplify construction and development finance processes
- We provide tailored advice based on your project goals
- We offer fast approvals and staged drawdown support
- We deliver clear comparisons and transparent advice
- We work with over 40 lenders, including specialist construction lenders
- We provide ongoing support through settlement, build and completion
- We partner with you across multiple projects and stages
How Our Construction Loan Process Works
When you enquire about construction finance, here is what to expect:
- Initial Consultation
We understand your building plans, costings, financial position and exit strategy. This allows us to recommend the right construction loan structure. - Loan Option Review
We present tailored options from our lending panel. We explain the differences between home construction loans, development loans and owner-builder funding so you can choose with clarity. - Application Support
We manage the submission process, assist with valuations and coordinate lender requirements for progress payment scheduling and drawdowns. - Settlement and Beyond
We support you through each construction stage, ensuring smooth progress payments and resolving lender queries. After completion, we assist with refinance, sale strategy or planning your next project.
Ready to Build or Develop?
Whether you are building a home, developing a multi-lot site or managing a commercial project, Velox Capital helps you secure the right construction loan or development finance with confidence. Let us manage the complexity while you focus on bringing your project to life.
Contact Velox Capital today to explore funding options for your next construction project.
Frequently Asked Questions - FAQs
A construction loan is a short-term loan that funds the building or renovation of a residential or commercial property. Unlike a standard home loan, a construction loan is drawn down in stages based on the progress of the build. You only pay interest on the funds used, which helps manage cash flow throughout the project.
A home construction loan is designed specifically for people building a new home, rather than buying an existing one. It provides funding in progressive stages, such as slab, frame, lock-up and completion. This staged structure ensures that funds are released as work is completed, rather than in one lump sum.
A development loan is used to finance property development projects such as subdivisions, townhouse builds, apartment blocks or commercial buildings. It typically covers land acquisition, construction costs, council approvals and interest during the project timeline. Development loans can be structured around your sales plan, exit strategy and cash flow needs.
Development finance refers to funding options for property developers undertaking residential, commercial or mixed-use projects. It is ideal for developers, builders or investors who require flexible funding to support land purchases, construction and staged project delivery.
Yes, but it is more complex. Velox Capital works with lenders that offer construction loan options for owner-builders, often requiring detailed costings and flexible documentation. We help you navigate the requirements and structure a loan that supports your build with confidence.