Our residential Construction Loans are tailored for individuals with dreams of constructing a new home, whether it’s for personal use, investment, or expanding your existing residence. The residential construction loans cater for both PAYG and self-employed borrowers. Whether you’re planning to build your dream home or invest in new properties, our loans aim to provide the financial support you need to bring your construction projects to life.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 8.59% | 8.92% | Variable · unconstrained · principal and interest | Construction | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Residential%20Construction- Content hash
sha256 aba63da3bff2d8ebf30fd8c098b8fa2d84d9cc563ba4a89bf102441256a217d0- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_aba63da3bff2d8eb_622b1141Show details
- Checked
- 1 Nov 2026
- URL
https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Residential%20Construction- Content hash
sha256 aba63da3bff2d8ebf30fd8c098b8fa2d84d9cc563ba4a89bf102441256a217d0- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | 1.25% |
| Monthly Account Fee | Periodic | $15.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments are available after construction period | |
| Guarantor | Guarantors with financial benefit acceptable | |
| Redraw | ||
| Digital banking | Access your loan account online to view and track your loan via the La Trobe Financial website. | |
| Eligibility: min age | 18 | |
| Eligibility: employment status | Available to customers who are either PAYG or self-employed | |
| Eligibility: residency status | Available to Australian residents only | |
| Limit: max limit | 50000000.00 | |
| Limit: max lvr | 0.80 | |
| Limit: min limit | 100000.00 | |
| Limit: other | ||
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · unconstrained · principal and interest | 1 Nov 2026 | Current | 8.59% | 8.92% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:construction | Construction | Left out of the standard home loan table |
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