Construction Finance
Building it yourself? Finance arranged for owner-builders.
Business-purpose owner-builder finance for developers managing their own project — placed across our panel when the banks step back.
Owner-builder projects the banks find too hard.
Managing your own build saves margin but scares the banks: no head contractor, no fixed-price contract, and more perceived risk. We arrange business-purpose owner-builder finance and place it with funders on our panel who are comfortable with owner-builder projects run for profit.
This is for experienced owner-builders developing residential property to sell or hold as an investment — with an ABN, an owner-builder permit where required, and a genuine business purpose. It is not finance to build your own home to live in. We structure staged drawdowns around your program and a quantity surveyor's sign-off, just like a contracted build.
We know which lenders accept owner-builder risk, what they want to see on costings and experience, and how to present the deal so it gets up. Indicative answer in 24 hours, and a facility built around your exit.
Why arrange owner-builder finance through X Private.
Lenders who accept owner-builders
We place with funders comfortable with owner-builder risk, not banks that decline on sight.
Staged drawdowns
Funds released as the build progresses against QS sign-off, so capital tracks the work.
Built for business purpose
For owner-builders developing to sell or hold — ABN and a genuine business purpose required.
Structured on cost and GRV
Facilities sized against your build cost and end value, with a clear exit.
Experience presented well
We package your track record and costings so owner-builder lenders can say yes.
Move at deal speed
Indicative answer in 24 hours so the project keeps moving.
Who it's for.
Built for owner-builders developing for a business purpose. Common scenarios:
- Experienced owner-builders developing to sell
- Owner-built investment dwellings to hold and rent
- Knock-down rebuilds managed by the owner
- Small owner-managed residential projects
- Tradespeople developing their own projects
- Refinancing land into an owner-builder facility
- Cost-to-complete funding on a self-managed build
- Owner-builders the banks decline for lack of a head contract
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
No — everything we arrange is for a genuine business purpose. Owner-builder finance here is for developing residential property to sell or hold as an investment, not an owner-occupied home you'll live in.
We're a specialist property finance brokerage: we place owner-builder deals with the most suitable funder from our panel of 50+ non-bank and private lenders.
Without a head contractor and fixed-price contract, lenders see more cost and completion risk, so most banks decline it. Our specialist panel includes lenders who fund owner-builders and price for that risk — we just have to present the deal well.
Typically an ABN, an owner-builder permit where required, detailed costings, your relevant experience, and a clear exit (sale or refinance). We'll tell you exactly what's needed before you apply.
In stages against the build, verified by a quantity surveyor — the same staged-drawdown discipline as a contracted build, so you only pay interest on funds drawn.