Build It Yourself — With the Right Finance Behind You

Going the owner-builder route? Managing your own build lets you save on costs and control the entire process — but it also comes with added responsibility and stricter loan conditions. Most banks see owner-builders as higher risk, which is why many won’t lend without the right structure and documentation.

That’s where SW Global Finance steps in. We help you prepare a solid application, forecast your build stages, and work with lenders who accept owner-builder projects.

We help answer critical questions like:

• Do you have the right permits, cost breakdowns, and experience?

• Will lenders approve your staged construction plan?

• How do you manage drawdowns without a licensed builder contract?

• What LVR can you expect as an owner-builder?

Specialised Lending for Owner-Builders

• Typically 60–70% LVR max, based on project cost or land value

• Requires detailed construction plans, timeline, and permits

• Loan released in stages after third-party inspection

• Interest-only during the build phase

• Ideal for experienced clients or licensed tradespeople

Owner-builder finance requires more prep, but with our guidance, you can stay in control — and potentially save tens of thousands in construction costs.

Let’s build your vision, your way.

Contact SW Global Finance to explore your options as an owner-builder — with support that helps you stay compliant, funded, and on track.