{"id":10717,"date":"2026-02-01T13:04:45","date_gmt":"2026-02-01T13:04:45","guid":{"rendered":"https:\/\/mortera.arcanetify.com\/?page_id=10717"},"modified":"2026-02-01T13:06:38","modified_gmt":"2026-02-01T13:06:38","slug":"construction-home-loan","status":"publish","type":"page","link":"https:\/\/mortera.arcanetify.com\/?page_id=10717","title":{"rendered":"Construction Home Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10717\" class=\"elementor elementor-10717\">\n\t\t\t\t<div data-ekitparallax=\"{&quot;ekit_section_parallax_bg&quot;:&quot;yes&quot;,&quot;ekit_section_parallax_bg_speed&quot;:0.5,&quot;elementor_lazy_load&quot;:&quot;1&quot;}\" class=\"elementor-element elementor-element-1ced9ec e-flex e-con-boxed e-con e-parent\" data-id=\"1ced9ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-faf9434 e-con-full e-flex e-con e-child\" data-id=\"faf9434\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae55dd9 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"ae55dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">CONSTRUCTION HOME LOANS<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d28207 breadcrumb-item elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"8d28207\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/mortera.arcanetify.com\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5700133 e-flex e-con-boxed e-con e-parent\" data-id=\"5700133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab43346 e-con-full e-flex e-con e-child\" data-id=\"ab43346\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a293449 e-con-full sticky-column e-flex e-con e-child\" data-id=\"a293449\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8c75ea e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a8c75ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe13682 at-heading-animation at-animation-heading-none elementor-widget elementor-widget-heading\" data-id=\"fe13682\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How We Help Construction<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-835f15d e-con-full e-flex e-con e-child\" data-id=\"835f15d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da5f0b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2da5f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Borrowing Assessment                <\/h3>\n                        \t\t  \t<p>We calculate realistic borrowing power based on income, expenses, and deposit.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f09d3b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"8f09d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Deposit Options                <\/h3>\n                        \t\t  \t<p>Guidance on low deposit loans, guarantor options, and government schemes.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e24f2a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2e24f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Lender Selection                <\/h3>\n                        \t\t  \t<p>We compare major banks and specialist lenders that suit first home buyers.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b1e9a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"72b1e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Loan Structure                <\/h3>\n                        \t\t  \t<p>We structure loans to reduce costs, improve flexibility, and plan ahead.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d893211 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"d893211\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Approval Support                <\/h3>\n                        \t\t  \t<p>From pre-approval to settlement, we manage the process end to end.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-439df47 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"439df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Clear Guidance                <\/h3>\n                        \t\t  \t<p>Plain English advice so you know exactly what you are signing up for.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-228b176 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"228b176\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e09d40c elementor-widget elementor-widget-inclub-elementor-template\" data-id=\"e09d40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"inclub-elementor-template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfc508 e-con-full e-flex e-con e-child\" data-id=\"2bfc508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36bad5c e-con-full e-flex e-con e-child\" data-id=\"36bad5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14fe121 project-single-image image-anime at-image-animation at-animation-image-style-1 elementor-widget elementor-widget-image\" data-id=\"14fe121\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5.jpg\" class=\"attachment-full size-full wp-image-2176\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6384d10 e-con-full e-flex e-con e-child\" data-id=\"6384d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc62f5 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9dc62f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"198\" data-end=\"436\">Building a home is different from buying an established property. The finance needs to match the construction process, not work against it. A standard home loan is not designed to handle progress payments, variations, and build timelines.<\/p><p data-start=\"438\" data-end=\"655\">A Construction Home Loan releases funds in stages, known as progress payments, as your build moves forward. You only pay interest on the amount drawn at each stage, which can help manage cash flow during construction.<\/p><p data-start=\"657\" data-end=\"881\">At Mortera, we guide you through the full process before you commit. This includes reviewing your building contract, understanding progress payment stages, and selecting lenders that work smoothly with builders and councils.<\/p><p data-start=\"883\" data-end=\"1105\">Not all lenders handle construction loans well. Some apply strict conditions, slow valuations, or inflexible payment schedules. Choosing the wrong lender can cause delays, disputes, and unnecessary stress during the build.<\/p><p data-start=\"1107\" data-end=\"1341\">Our role is to structure the loan correctly from the start. We align finance approval with your build timeline, ensure funds are released on time, and help you transition smoothly to a standard home loan once construction is complete.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-042d6b8 e-con-full e-flex e-con e-child\" data-id=\"042d6b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0b719 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"9a0b719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR CLIENT'S <span>CHALENGE<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3caba84 e-con-full e-flex e-con e-child\" data-id=\"3caba84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-863e414 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"863e414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Saving a deposit while managing rising living costs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understanding how much they can realistically borrow<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Navigating confusing lender rules and government schemes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Competing with experienced buyers in a tight market<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d47e371 e-con-full e-flex e-con e-child\" data-id=\"d47e371\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b0382 project-entry-image image-anime at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"52b0382\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5.jpg\" class=\"attachment-full size-full wp-image-2176\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/video-gallery-img-5-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57c6a14 elementor-absolute video-play-button elementor-widget elementor-widget-elementskit-video\" data-id=\"57c6a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"video-content\" data-video-player=\"[]\" data-video-setting=\"{&quot;videoVolume&quot;:&quot;horizontal&quot;,&quot;startVolume&quot;:0.8,&quot;videoType&quot;:&quot;iframe&quot;,&quot;videoClass&quot;:&quot;mfp-fade&quot;,&quot;popupIcon&quot;:{&quot;value&quot;:&quot;icon icon-cancel&quot;,&quot;library&quot;:&quot;ekiticons&quot;},&quot;videoStyle&quot;:&quot;popup&quot;,&quot;videoTypeName&quot;:&quot;youtube&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;loop&quot;:true}\">\n\t\t\t\n<a class=\"ekit_icon_button glow-ripple ekit-video-popup ekit-video-popup-btn\" href=\"?playlist=&amp;mute=0&amp;autoplay=0&amp;loop=1&amp;controls=0&amp;start=0&amp;end=\" aria-label=\"video-popup\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\n\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95def0d e-con-full e-flex e-con e-child\" data-id=\"95def0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f2096 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"75f2096\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb6d42 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"bbb6d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CLEAR ANSWERS TO <span>YOUR QUESTIONS<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbb898b e-con-full e-flex e-con e-child\" data-id=\"dbb898b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2accb05 faq-accordion elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2accb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2329d113f42\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2accb05\">\n                        <a href=\"#collapse-75a17456a2329d113f42\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75a17456a2329d113f42\" aria-expanded=\"true\" aria-controls=\"Collapse-75a17456a2329d113f42\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How does a construction home loan work?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75a17456a2329d113f42\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2accb05\" data-parent=\"#accordion-6a2329d113f42\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Funds are released in stages based on construction milestones, such as slab, frame, lock-up, and completion. Interest is charged only on the amount drawn.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-2accb05\">\n                        <a href=\"#collapse-9f8f9346a2329d113f42\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9f8f9346a2329d113f42\" aria-expanded=\"false\" aria-controls=\"Collapse-9f8f9346a2329d113f42\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Do I need a fixed-price building contract?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9f8f9346a2329d113f42\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-2accb05\" data-parent=\"#accordion-6a2329d113f42\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Most lenders require a fixed-price contract before approving a construction loan. This helps manage risk and confirm total build costs.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-2accb05\">\n                        <a href=\"#collapse-a07bd606a2329d113f42\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a07bd606a2329d113f42\" aria-expanded=\"false\" aria-controls=\"Collapse-a07bd606a2329d113f42\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Can I use land equity for a construction loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a07bd606a2329d113f42\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-2accb05\" data-parent=\"#accordion-6a2329d113f42\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. If you already own land, its value can be used as part of your contribution or deposit, subject to lender assessment.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-2accb05\">\n                        <a href=\"#collapse-3c2ce136a2329d113f42\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c2ce136a2329d113f42\" aria-expanded=\"false\" aria-controls=\"Collapse-3c2ce136a2329d113f42\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What happens when construction is finished?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c2ce136a2329d113f42\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-2accb05\" data-parent=\"#accordion-6a2329d113f42\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Once the build is complete, the loan usually converts to a standard home loan. At that point, you can review rates and features.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-2accb05\">\n                        <a href=\"#collapse-0d7f4b16a2329d113f42\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0d7f4b16a2329d113f42\" aria-expanded=\"false\" aria-controls=\"Collapse-0d7f4b16a2329d113f42\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Are construction loans harder to get approved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0d7f4b16a2329d113f42\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-2accb05\" data-parent=\"#accordion-6a2329d113f42\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>They can be more complex, but with the right preparation and lender selection, approvals are achievable. We manage this process for you.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CONSTRUCTION HOME LOANS Home How We Help Construction Borrowing Assessment We calculate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10717","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10717","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10717"}],"version-history":[{"count":4,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10717\/revisions"}],"predecessor-version":[{"id":10721,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10717\/revisions\/10721"}],"wp:attachment":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}