• The documents you need for a home loan tailored for construction

    The documents you need for a home loan tailored for construction

    If you’re looking to build your home, you will be required to provide specific documentation before you secure a home loan and start construction. 

    Here’s what you’ll need for a home loan tailored for construction. 

    1.     A Fixed Pricing Building Contract with a licensed builder with an acceptable progress payment schedule, and specifications or inclusions (this is preferred, however some builders may only issue a preliminary tender or quote prior to your home loan approval). 

    2.     Draft plans if they are available. 

    3.     Quotes for any work not included in the main contract, but may be required for valuation, such as landscaping.  

    4.     Receipts for any deposits paid to the builder.

    You’ll also need documents for your Authority to Commence (ATC) construction.

    Your ATC will be provided by RAMS. It gives your builder the green light to start work and is issued when you provide the following documents: 

    Documents for Construction-Checklist

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    About the author

    • Raymond

      Raymond A Ram is the RAMbassador for RAMS Financial Group. Raymond works with the RAMS team to bring simple, helpful and expert information on home loans and savings accounts to life with his down to earth and cheeky personality. He enjoys seeing everyday Australians turn their dreams of saving for a goal or getting into a home a reality. 

      Growing up in Goulburn, NSW, Raymond was brought up with good old-fashioned Aussie values of hard work and a fair go. It soon became apparent that Raymond wasn't content for the conventional path of grazing, producing the very best wool, and finding a nice sheep to settle down with. So it wasn't long before his passion for performing and his talent as a likeable larrikin shone through - landing him a few roles such as 'RAMlet'. He was even tipped to play RAM-bo at one point but chose to become star of the small screen instead as RAMbassador for RAMS. He now finds this role so much more rewarding.

      Contact your local RAMS Home Loan Centre about your home loan options.

      Raymond A Ram

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  • Disclaimer:

    This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.