Build with confidence, one stage at a time
Construction loans are different from standard home loans. Progress payments, valuations and builder contracts all need to line up. Em Bee Finance guides Perth builders through it step by step.
Who this is for
Is this the right conversation to start?
You are building a new home and need a loan that draws down in stages.
You are doing a major renovation and want to fund it progressively.
You have a house-and-land package and want the finance structured correctly.
You want someone to explain progress payments, valuations and final settlement.
How it works
Four steps, no surprises.
Review the plans and contract
We check the fixed-price building contract, specifications and schedule so the lender sees a complete picture.
Secure pre-approval
We arrange conditional approval based on your build cost and land value, before work starts.
Manage progress draws
As each stage is completed, we help coordinate valuations and draw requests so your builder gets paid on time.
Convert to the final loan
At completion, the construction loan rolls into a standard loan with the terms you chose.
Every stage funded on time, so the build never stalls.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
Experience with progress-payment construction finance.
Help preparing the paperwork builders and lenders need.
Clear explanation of valuation and draw-down stages.
A single contact through land settlement, build, and final conversion.
Try the numbers
Estimate your home loan repayment.
Estimated repayments
Monthly repayment
$3,998
- Total interest
- $789,257
- Total paid
- $1,439,257
This is an estimate only and not credit advice. Actual figures depend on your circumstances and lender criteria.
In their words
Perth families who felt heard.
A small selection of the notes we’ve received. Names shortened for privacy.
“Mool made the whole process feel calm. He explained every step in plain English and we settled without a single stressful phone call from us.”
FAQ
Common questions
Talk to Mool
Ready to talk? Book a chat with Mool.
A relaxed first conversation. No pressure, no jargon — just an honest look at your options.
Mool Bhargava
Principal broker · MBA Finance