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Baron Finance

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Baron Finance

/ CONSTRUCTION & RENOVATION

Building or renovating? Make sure you structure your loan properly.

Construction and renovation loans work differently to standard home loans, and getting the structure right from the start matters more than most people realise.

Book Your No Obligation Call

Submit An Application

/ HOW IT WORKS

Get your build or reno financed properly, step by step.

Get Started

Architectural house plans being sketched

[01]

Tell us about the project.

Build type, timeline, budget and builder details. We start with the full picture before recommending anything.

[01]

Tell us about the project.

Build type, timeline, budget and builder details. We start with the full picture before recommending anything.

[02]

We'll research your options.

We compare options across 65+ lenders and prepare a tailored credit proposal; which lender suits your project, how the loan is structured and what the draw schedule looks like.

New home under timber-frame construction at sunset

[03]

We handle the legwork.

Application, paperwork, and lender communication are all managed for you, as well as progress, draw coordination throughout the build.

[03]

We handle the legwork.

Application, paperwork, and lender communication are all managed for you, as well as progress, draw coordination throughout the build.

[04]

Completion and beyond.

Once the build is complete and your loan converts, we'll continue to review it regularly so it stays structured properly over time.

/ HOW IT WORKS

Get your build or reno financed properly, step by step.

Get Started

WE WORK FOR YOU, ALONGSIDE AUSTRALIA’S TOP TRUSTED BANKS:

/ HOW I HELP

Builds and renovations aren’t always straight forward. We help make the loan process easier.

[01]

Understanding how construction loans work.

Unlike a standard home loan, construction finance is released in stages as the build progresses. You generally only pay interest on the amount drawn down during the build, not the full loan amount. Once construction is complete, the loan converts to a standard principal and interest structure. We'll explain the full process clearly before we start.

[01]

Understanding how construction loans work.

Unlike a standard home loan, construction finance is released in stages as the build progresses. You generally only pay interest on the amount drawn down during the build, not the full loan amount. Once construction is complete, the loan converts to a standard principal and interest structure. I’ll explain the full process clearly before we start.

[01]

Understanding how construction loans work.

Unlike a standard home loan, construction finance is released in stages as the build progresses. You generally only pay interest on the amount drawn down during the build, not the full loan amount. Once construction is complete, the loan converts to a standard principal and interest structure. I’ll explain the full process clearly before we start.

[02]

Knowing what lenders look for.

Construction lending involves a different assessment process. Lenders will generally want to see a fixed-price building contract with a registered builder, council-approved plans and permits, a valuation of the completed property and adequate building insurance. We'll help you understand what’s required and make sure your application is presented properly.

[02]

Knowing what lenders look for.

Construction lending involves a different assessment process. Lenders will generally want to see a fixed-price building contract with a registered builder, council-approved plans and permits, a valuation of the completed property and adequate building insurance. I’ll help you understand what’s required and make sure your application is presented properly.

[02]

Knowing what lenders look for.

Construction lending involves a different assessment process. Lenders will generally want to see a fixed-price building contract with a registered builder, council-approved plans and permits, a valuation of the completed property and adequate building insurance. I’ll help you understand what’s required and make sure your application is presented properly.

[03]

Renovation lending.

If you’re renovating rather than building from scratch, your options depend on the scale of the work. Smaller renovations may be funded through a personal loan or equity release. Larger structural renovations may require a construction loan structure. We'll assess your situation and recommend the right approach.

[03]

Renovation lending.

If you’re renovating rather than building from scratch, your options depend on the scale of the work. Smaller renovations may be funded through a personal loan or equity release. Larger structural renovations may require a construction loan structure. I’ll assess your situation and recommend the right approach.

[03]

Renovation lending.

If you’re renovating rather than building from scratch, your options depend on the scale of the work. Smaller renovations may be funded through a personal loan or equity release. Larger structural renovations may require a construction loan structure. I’ll assess your situation and recommend the right approach.

[04]

Soft credit checks.

Exploring your options with Baron Finance won’t impact your credit score. We can run a soft credit check as part of the process so you have clarity before committing to anything.

[04]

Soft credit checks.

Exploring your options with Baron Finance won’t impact your credit score. I can run a soft credit check as part of the process so you have clarity before committing to anything.

[04]

Soft credit checks.

Exploring your options with Baron Finance won’t impact your credit score. I can run a soft credit check as part of the process so you have clarity before committing to anything.

Get Started

/ FREE RESOURCES

Try our loan calculators

[01]

Borrowing Capacity Calculator

This calculator gives you an estimate of how much you may be able to borrow based on your income, expenses and existing debts. It’s a useful first step before you start looking at properties, as it gives you a realistic idea of what’s within reach.

Explore the Calculator

[02]

Repayment Calculator

This calculator works out what your weekly, fortnightly or monthly repayments could look like based on your loan amount, term and interest rate. It’s a helpful way to understand what a loan might cost you day to day, whether you’re buying, refinancing or comparing loan structures.

Explore the Calculator

[03]

Stamp Duty Calculator

This calculator estimates how much stamp duty you may need to pay when purchasing a property. Stamp duty varies depending on your state or territory, the purchase price and whether you qualify as a first home buyer, so it’s a good way to budget accurately before you buy.

Explore the Calculator

/ ABOUT

Hey, I’m Bevan. I’m the founder and director of Baron Finance.

Baron Finance is run by Bevan East. When you get in touch, you speak directly with Bevan. Not a team, not a call centre. Just one experienced broker who stays involved from your first conversation through to settlement and beyond.

About Bevan

Book Your No Obligation Call

Bevan East

Founder, Director & Principal Mortgage Broker

/ FREQUENTLY ASKED

Your questions, answered.

Do I pay the full loan amount during the build?

What do I need before applying for a construction loan?

Can I use a construction loan for a renovation?

What happens when the build is finished?

What if my build goes over budget?

What is a progress draw schedule?

What does it cost to use a mortgage broker?

/ GET STARTED

Get your build or reno financed properly.

Book Your No Obligation Call

Submit An Application

Baron Finance

Baron Finance Pty Ltd, ACN 694 947 914, is a Credit Representative of Australian Finance Group Ltd Australian Credit Licence 389087 and is a proud member of the Mortgage & Finance Association of Australia (MFAA).