Well-Constructed Home Finance
The right loan found for your next move
How We Help You Get It Right
Helping you save money
We look beyond the obvious to find the loan options that actually fit. By comparing widely and negotiating directly with lenders, we help reduce unnecessary costs to avoid poor structures.
Accelerating the process
We make the process simpler than dealing with a bank. We handle the paperwork, manage the back-and-forth and keep things moving, without long waits or call centres.
Supplying the right loan
We take the time to understand your situation, not just your numbers. By looking at how you earn, spend and plan ahead, we help structure a loan that makes sense now and over time.
Choice beyond the big banks
We work with major and specialist lenders to find options that better suit different situations.
Construction and land finance
Building a home involves more than finding a loan for the final price. We help you understand how land finance, construction lending and progress payments fit together, so you can plan for the costs and timing of your build.
Whether you have a block, a house and land package or an early idea, we’ll help you explore the lending options that suit your plans.
Buying your first home
Your first purchase can bring a lot of questions: how much you may be able to borrow, what deposit you need and which loan features matter. We’ll help you work through the numbers and compare options that fit your circumstances.
We can also help you understand which first home buyer schemes may be available, so you can move forward with a clearer picture of your next steps.
Moving to your next home
A growing family, a different location or a change in lifestyle can make it time for another home. We’ll help you assess your borrowing position, understand the equity you may have and compare ways to finance your next purchase.
If you’re deciding whether to sell your current home or keep it, we’ll look at how each path could affect your lending options.
Reviewing your home loan
The loan you chose years ago may no longer suit your needs. We’ll review your current rate, repayments and features, then compare available options to see whether refinancing could put you in a better position.
A lower rate is only part of the picture. We’ll also consider switching costs, loan structure and your plans before recommending a next step.
Financing an investment property
An investment loan should make sense alongside your existing commitments and longer term plans. We’ll help you understand your borrowing options, assess how a new purchase could affect your cash flow and compare lending structures suited to your circumstances.
Whether it’s your first investment or another addition to your portfolio, we’ll help you make an informed finance decision before you commit.
What clients say about working with Matt
The best measure of our work is whether clients feel informed and supported when making a major property decision. Here is a selection of short excerpts from their reviews about their experiences.
Matt and the team looked after us twice within 12 months, everything was always under control and they guided us through the process every step of the way.
As a broker you were able to speak both ‘bank’ and ‘our’ language and translate everything into easy to understand and apply processes.
We really appreciated Matt’s willingness to answer any questions we had (which was a lot being young first home buyers).
He made the process smooth and easy, was patient and always made himself available for us to answer any questions.
He maintained regular contact, provided clear updates, and always explained things in a way that was easy to understand.
He investigated and solved issues with the bank to speed up our process when there were delays, which was much appreciated.
He helped us every step of the way and made the process of finding a bank loan so much easier.
He explained the process, kept me in the loop, did it all so quickly and I was in my new home before I knew it.
When he says he will be in touch the next day, he actually does. He answered all our questions and was honest and helpful with everything.
He was professional, honest and transparent throughout the whole process and was just an amazing person to deal with in general.
Matt was excellent, prompt, provided great explanations of all the different options and found us a great product that suited our needs
Kept us well informed throughout the whole process. Always answering our questions and making it a very stress free experience.
My search for reliable and trustworthy loan agent ends at Mathew. He is knowledgeable and knows his job well.
Can’t speak highly enough of Matthew and Renae at Construct Home Loans. … Great communication. Super helpful. Just faultless. They made my dream come true.
Matt has been a beacon of professionalism and integrity throughout our home loan process. He provided us with clear advice and guidance as we navigated financing our first home.
Mathew, Renae and the finance team made the process run smoothly, knowing nothing about finance it was a relief to have these guys here to guide me through.
Selected excerpts from genuine Google reviews provided by clients who have previously worked with Matt Stevens and his finance team. Some reviews relate to services provided through other mortgage broking brands associated with Matt. Reviews have been shortened for display and represent a selection of customer feedback, not all reviews received.
Who you’ll work with
Matt Stevens
Head of Finance | Award-winning broker
Matt brings more than a decade of experience in residential construction finance to Construct Home Loans. With a strong understanding of construction lending, he helps clients make sense of their options, from buying land and building a home to refinancing or planning an investment.
He takes the time to understand what you’re working towards, explain the lending process clearly and help find a loan that fits your circumstances.