CONSTRUCTION LOANS GOLD COAST
Finance for building, not just buying.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, CONSTRUCTION LENDING EXPERT
Chat with Lee, your Gold Coast construction loan expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Progressive drawdowns structured properly.
Construction loans structured around your build stages and cash flow, not a generic drawdown schedule that doesn't match your project.
2. Off-the-plan settlement risk checked upfront.
Off-the-plan and new-build settlement risk assessed before you commit, including how lenders value the completed property, not just the contract price.
3. Build experience, not just theory.
Advice grounded in a family background of moving from a single investment property into care facilities and multi-storey residential development.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast builders use Serres?
Whether you're building your first home, renovating, or running a small project, we know the challenges lenders raise at each stage and how to get the right outcome.
We hold accreditations across 70+ banks, non-banks and specialist lenders, which matters most on construction deals, where policy, not rate, decides whether a lender says yes.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
How is a construction loan different from a standard home loan?
A construction loan is drawn down in stages as the build progresses, and you generally pay interest only on the amount drawn, rather than the full loan amount upfront.
What happens if my build runs over budget?
We factor in a realistic contingency when structuring your construction finance upfront, and can talk through options if costs move during the build.
Do I need council approval before applying for construction finance?
Lenders generally want to see approved plans and a fixed-price building contract before formal approval, though we can start structuring your finance earlier than that.
Does buying off the plan change the finance?
It can. Off-the-plan and new-build settlement risk depends on how lenders value the completed property against the contract price, so we assess this before you commit.
