Building your dream home or tackling a major renovation? We’ll structure your finance so progress payments, budgets, and redraws all work in your favour, keeping your project on track and stress-free.
Planning to build your dream home or renovate your existing space? Our Construction & Renovation service offers expert guidance and tailored financial solutions to keep your project on budget, on time, and structured for long-term financial success.
Every construction and renovation project is unique, requiring a flexible loan structure that accommodates the various phases of building, from initial permits to final finishes. We help you secure loans specifically designed for construction needs, with features such as progress drawdowns and interest-only periods that ease cash flow pressures as your project progresses.
Navigating the financial complexities of construction or renovation can be daunting. Our experienced team guides you through loan options, budgeting strategies, and timing considerations to ensure you have the funds when you need them most. We also advise on cost-saving opportunities and government incentives that may apply to your project.
Construction projects come with inherent risks, and managing these effectively protects your investment. We partner with trusted financial institutions offering insurance options, flexible repayment terms, and contingency funds to safeguard you against unexpected costs or delays.
Our commitment doesn’t end once your loan settles. We provide ongoing monitoring and advice throughout your construction or renovation journey, helping you manage repayments, adjust plans as needed, and ultimately position your property and finances for long-term growth and equity.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
