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What Banks Really Check When You Build A House

Want a warm, efficient new home without a cold shock at settlement? We pull back the curtain on how lenders actually assess build loans and what it takes to move from signed contract to keys in hand. From contingencies and valuations to approval timelines, we share the practical steps that keep your project funded and on track.

We start with the three main build paths—turnkey, housing under construction with progressive payments, and labour‑only—and spell out the real trade‑offs. Turnkey can be simpler for renters with a small upfront payment and a larger balance on completion, but it’s…

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