Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Western Australia | Lydian Financial Services
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A new build is a different finance journey, with funds released in stages and grants to factor in. We guide Western Australian buyers through construction and new-home lending from slab to settlement.
Financing a new home works differently to buying established. With a construction loan, the lender releases your money in stages as the build reaches each milestone, rather than all at once.
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.
Building or buying new also opens the door to the $10,000 First Home Owner Grant for eligible first home buyers, along with WA's first home duty concessions.
New-build lending has more moving parts, including builder contracts and staged valuations. We line it all 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 and duty concessions. We check eligibility and handle the application.
Construction policies differ between lenders. We compare over 50 to suit your build and timeline.
From new estates in Baldivis and Ellenbrook to house and land across the Perth metro, Western Australia 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 up north, buying off the plan in the city, or planning a new home near 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. WA's First Home Owner Grant is $10,000 for eligible first home buyers on a new home. Because it targets new builds, building or buying new is a key way to qualify, and we will 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 will walk you through the schedule.
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 will assess your position and explain what is realistic.
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 will talk the options through.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Western Australia
Phone: 0400 000 000
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.