Residential Construction Loan Calculator

Determine the loan amount required to complete your residential construction project. Enter your project details to see the initial advance at settlement and required borrower contribution.

Project Overview

Applicant's Name optional

State

Postcode Category

Requested Loan Amount

Market Value on Completion

Estimated value of land + completed dwelling (used for LVR calculation).

Land Details

Transaction Type

Land Value (Market Value)

Land Purchase Price

The contracted price being paid for the land.

Deposit Paid on Land

Stamp Duty Already Paid if land settled <12m

Only enter if land already settled within the last 12 months.

Build Details

Building Contract Amount

Out of Contract Variations

Progress Inspection Budget auto

$3,000 or 5% of contract if ≥ $1.5M.

Fees & Costs

Stamp Duty (Land) auto

Calculated based on state & purchase price.

Mortgage Registration Fee auto

Title Insurance Fee auto

Lender's Legals

▸ Advanced Fee Settings

Application Fee

% of loan amount

Settlement Fee

% of loan amount

Broker's Mandate

% of loan amount

Borrower's Conveyancer

Other Costs

Construction Loan Summary

⚠ LVR on Completion exceeds 80%. Loan amount or security value needs reviewing.

⚠ Loan to Cost exceeds 80%. Review loan amount against total project cost.

⚠ LVR against Land exceeds maximum (%).

LVR on Completion –

Loan to Cost –

LVR against Land –

Max Land LVR 75%

Funds Required

Land Purchase Price –

Build Contract + Variations –

Progress Inspection Budget –

Stamp Duty + Transfer Fees –

Gov't / Lender / Broker Fees –

Total Funds Required –

Loan Breakdown

Loan Amount –

Deposit Paid –

Initial Loan Advance (at settlement) –

Funds Retained for Construction –

Borrower Contributions

Required at Settlement –

Prior to First Progress Drawdown –

Total Contribution Required

–

Required prior to first progress drawdown

Transaction Costs Detail

Application Fee –

Settlement / Broker Fees –

Mortgage Registration –

Lender's Legals –

Title Insurance –

Total Setup Costs –

Total Acquisition Costs –

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Important: The above figures are indicative only and based on information provided. They are subject to change including, but not limited to, solicitor's fees, third party fees, lender's fees, refinance fees and purchase adjustments. This calculator does not constitute an offer to lend or personal financial advice. Please seek independent legal, financial and taxation advice before acting on this information. Tenfold Property Finance is a trading name. Australian Credit Licence required. Figures should be verified with your broker.