When it comes to building or renovating, having access to funds as you need them is critical.

With a B&E home finance specialist on your side, you can focus 100% on ensuring your dream becomes a reality.

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Naturally, having a budget and sticking to it is key. Once you've established this, we can then work with you to ensure you have the borrowing power to match and discuss the best ways to fund your project.

If you're looking to buy land to build, you'll need a minimum deposit of 5% of the initial purchase price. Additional conditions will apply if you're not planning to build within 12 months.

If you're renovating, you may have the option to tap into your home's equity or redraw if you are ahead on your repayments. There is also the option to top up your existing home loan. Bear in mind that ideally you want to maintain 20% equity (ownership) to avoid the additional cost of Lenders' Mortgage Insurance.

Home loans to consider:

FlexiChoice FlexiLine Topline FlexiDiscount

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