Owner-Builder Construction Loans
Finance your owner-builder project with specialist lenders who understand self-managed construction. Progressive drawdowns, quantity surveyor oversight, and lending criteria designed for owner-builders.
Key Features
Owner-Builder Specialist
Lenders experienced with owner-managed construction projects
Progressive Drawdowns
Staged funding released as construction milestones are reached
Residential Focus
Single dwellings, knockdown-rebuilds, and major renovations
QS Monitoring
Quantity surveyor oversight ensures builds stay on track
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFinancing Your Owner-Builder Project
Owner-builder construction loans are designed for individuals who manage their own building project rather than engaging a licensed builder to deliver a fixed-price contract. This approach can deliver significant cost savings, but it requires specialist lending because the risk profile differs from a standard builder contract.
Many mainstream lenders are reluctant to finance owner-builders due to the perceived higher risk of cost overruns and delays. We work with lenders who understand owner-builder projects and have specific products designed for self-managed builds, including both bank and non-bank options.
How Owner-Builder Finance Works
Owner-builder loans follow the same progressive drawdown structure as standard construction loans. A quantity surveyor inspects the build at each stage — slab, frame, lock-up, fit-out, and completion — and certifies progress before the next drawdown is released. This protects both you and the lender.
Key requirements typically include a valid owner-builder permit, council-approved plans, a detailed construction budget reviewed by a QS, and evidence of your ability to manage the project. Some lenders may require you to engage a licensed builder for structural works even under an owner-builder arrangement.
Discuss Your Owner-Builder Construction Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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