Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Queensland | Lydian Financial Services
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A new build is a different finance journey to buying established, with funds released in stages and grants to factor in. We guide Queensland buyers through construction and new-home lending from slab to settlement.
Funding a new home works differently to buying an existing one. With a construction loan, the lender releases your money in stages as the build reaches each milestone, rather than in one lump sum.
Those staged releases, called progress payments, follow your builder's schedule from slab to frame to completion. You usually pay interest only on what has been drawn, which eases the cash flow while you build.
Buying or building new also opens the door to the $30,000 First Home Owner Grant for eligible first home buyers on homes valued up to $750,000, along with potential duty savings on new property.
New-build lending has more moving parts, including builder contracts and staged valuations. We line all of that up with your lender so the build keeps moving.
A new build has more steps than a standard purchase. We manage them so you can focus on the home.
We arrange a construction loan that draws down in stages as your build progresses, with interest only on what is used.
Building or buying new may unlock the grant. We check eligibility and take care of the application.
Construction policies differ between lenders. We compare over 50 to suit your build and your timeline.
From new communities around greater Brisbane to house and land on the Gold Coast and Sunshine Coast, Queensland is full of options for buyers who want something brand new. Our brokers know how lenders assess construction here.
We do the heavy lifting, coordinating progress payments, builder contracts and valuations, and dealing with the lender on your behalf through to settlement.
Whether you are building at Paddington, buying off the plan in the city, or planning a new home up the coast, let's plan the build together.
Rather than a single lump sum, a construction loan releases your funds in stages that match your builder's milestones. You usually pay interest only on the amount drawn at each stage, which helps cash flow during the build, and we coordinate each release with your lender.
You may be able to. The Queensland First Home Owner Grant is $30,000 for eligible first home buyers on a new home valued up to $750,000. Because it targets new homes, building or buying new is a key way to qualify, and we confirm your eligibility.
They are the staged drawdowns on a construction loan, usually tied to milestones like slab, frame, lock-up, fit-out and completion. The lender releases each one after that stage is finished and verified, and we walk you through the schedule so nothing catches you out.
Construction deposit requirements vary by lender and by your circumstances, with both the land and the build value taken into account. Existing equity may also help. We assess your position and explain what is realistic before you commit.
It comes down to your priorities and the market, and there is a genuine trade-off between the certainty of fixed and the flexibility of variable. Some buyers split the loan for a bit of each, and we talk the options through so you can choose with confidence.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Queensland
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.