ORDE’s solution-focused Residential Construction Near Prime product is designed to support borrowers undertaking house and land packages, new builds, or significant renovations with more flexible lending requirements. Key factors such as loan size, employment profile, construction type and credit history are considered in determining the final interest rate. Refer to eligibility or discuss with your Broker.
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 |
|---|---|---|---|---|---|
| 8.89% | 9.11% | Variable · unconstrained · unconstrained · LVR 65% or less | Specialist lendingConstruction | CDR | 1 Nov 2026 |
| 9.09% | 9.31% | Variable · unconstrained · unconstrained · LVR 65%–75% | Specialist lendingConstruction | CDR | 1 Nov 2026 |
| 9.29% | 9.51% | Variable · unconstrained · unconstrained · LVR 75%–80% | Specialist lendingConstruction | 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://prd.pm.productdata.au/c824d92f-d5bd-4699-b861-b07b145ef382/adapter/cds-au/v1/banking/products/ResiConstructionNearPrime- Content hash
sha256 1c66b74c2e0e5ed0092f70096fd513d454b96f0c4211d97865adf072fe889113- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_1c66b74c2e0e5ed0_bd3a4323Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/c824d92f-d5bd-4699-b861-b07b145ef382/adapter/cds-au/v1/banking/products/ResiConstructionNearPrime- Content hash
sha256 1c66b74c2e0e5ed0092f70096fd513d454b96f0c4211d97865adf072fe889113- 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 |
|---|---|---|
| Construction Progress Fee | Event | $120.00 |
| Insurance Confirmation Fee | Event | $45.00 |
| Dishonour Fee | Dishonour | $15.00 |
| Variation Fee | Variation | $495.00 |
| Early Repayment Fee | Exit | 0.00% |
| Discharge Adminstration Fee | Exit | Set in your letter of offer |
| Default File Attendance Fee | Event | $75.00 |
| Guarantor Default Notice fee | Event | $88.00 |
| Priority Discharge Fee | Event | $195.00 |
| Production of Title | Event | $195.00 |
| Repayment Transaction Fee | Payment | 0.00% |
| Special Attendance Fee | Event | $395.00 |
| Default Notice Fee | Event | $400.00 |
| Application Fee | Upfront | Set in your letter of offer |
| Valuation Fee | Upfront | Set in your letter of offer |
| Solicitors Fee | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Extra repayments available without penalty. | |
| Redraw | Free redraw available post construction completion. | |
| Eligibility: other | Additional factors such as loan size, employment tenure, security type or credit history may impact your eligibility for this interest rate. Refer to eligibility or discuss with your Broker. | |
| Eligibility: residency status | Australian Citizen or Permanent Resident | |
| Eligibility: min age | 18 | |
| Limit: max lvr | 0.80 | |
| Limit: max limit | 5000000.00 | |
| Limit: min limit | 100000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · unconstrained · unconstrained · LVR 75%–80% | 1 Nov 2026 | Current | 9.29% | 9.51% |
| Variable · unconstrained · unconstrained · LVR 65%–75% | 1 Nov 2026 | Current | 9.09% | 9.31% |
| Variable · unconstrained · unconstrained · LVR 65% or less | 1 Nov 2026 | Current | 8.89% | 9.11% |
*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 |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
purpose:construction | Construction | Left out of the standard home loan table |
Registered channels
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