Building
& Renovating

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Whether you’re building a new home or an investment property or doing a renovation you’ll need a Construction Loan.

Forget about the paperwork and start picking the paint, confident that Resifin Home Loans can secure the right Construction loan for you.

The Resifin Home Loans team has access to a huge range of construction & renovation loans for investors, first home buyers or any new home builders so contact us today to talk about your options.

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Frequently Asked Questions

+ How much can I borrow for my build/renovation?

Depending on your personal situation and the type of renovation you have in mind, you can get a loan suitable for your building/renovation needs.

  • Minor renovations with a licensed builder: You can typically borrow 95% of the purchase price plus the cost of renovations for cosmetic renovations.
  • Minor renovations with no builder: You can usually borrow up to 90% of the purchase price plus the cost of renovations.
  • Major renovations: You can usually borrow up to 80% unless you have a contract builder, in which case you can borrow 95% of the purchase price plus the cost of the renovations.
  • Knockdown / rebuild: You can normally borrow up to 90% of the land value or 95% of the total land’s cost plus construction costs with a licensed builder.
  • Knockdown / rebuild with no builder: You can borrow up to 60% of the cost of the land and the renovations if you’re doing it yourself.

+ What type of construction/renovation loan is right for me?

From Home Equity Loans, to Construction Loans to Lines of Credit and Personal Loans, there are many different ways you can finance your building/renovation. Thats why here at Resifin Home Loans we do our best to educate you on the different types of loans in order to help you choose the one best suited to your individual building/renovation project.

+ Are there any grants available to me if I plan to build?

If you’d like to build a new home in WA there are three construction grants available:

  • First Homeowners Grant valued at $10,000
  • HomeBuilder Grant, a Federal Government initiative valued at $25,000
  • Building Bonus, a WA State Government initiative valued at $20,000

Your Resifin Home Loans expert will be able to inform you of which grants you are eligible for depending on your personal circumstance.

+ How does the application process work?

Here at Resifin we process your application for you meaning you get to sit back and rest easy, knowing your application has been completed by an experienced professional.

The best part - our service is completely free as we are paid by the lender, not you!

 

 What Our Clients Are Saying

Testimonials

“Keith is very personable, professional and knowledgeable mortgage broker. Should I require another home loan, I certainly won’t hesitate to contact Keith. His attention to detail and follow up is excellent. I will definitely be recommending friends to phone Keith when I hear my friends say they are looking at purchasing a property.”

– Lydia

“As a first home buyer and completely foreign to the pre-approval, mortgage, and settlement process Keith has been an invaluable wealth of support and knowledge through the entire home loan process. Keith and Resifin Home Loans made a daunting undertaking much more manageable by providing great communication, financial advice, and solutions for my situation that went above and beyond expectations. I couldn’t recommend Keith enough to anyone looking for solid and supportive financial and home loan guidance that you will have complete confidence in.”

– Ben

“Keith made the purchase of my new home a truly seamless experience. From my first consultation to signing the approved home loan documents his professionalism, approach-ability and friendliness put me at ease during a very stressful time. He went the extra step to ensure I was kept informed and all deadlines were met. I would highly recommend Keith to anyone.”

– Jenny

“Keith is reliable, trustworthy and easy to work with. I have no hesitation in recommending his services to anyone looking for finance or refinance options. He will return your call immediately and no question is too hard. The best way to describe Resifin is you get old school service, the latest technology and Keith's genuine interest will mean you get the best rates. There is a reason every rating is five stars. If there were six stars, I would have chosen that!”

– Jo

“Keith has been professional, knowledgeable, organised and efficient. Buying a family home can be stressful but having Keith on board made things much easier.”

– Les & Julie

“Keith is a professional. He made the whole process so very easy for me…. which is just what I wanted. Nothing was an issue and he promptly responded to all my queries. Thank you for providing excellent and very personal service.”

– Terri

“Keith did a fantastic job in arranging the finance for our Holiday/Investment Property. We found Keith very personable & professional. We would have no hesitation recommending Keith to family and friends.”

– Greg & Gemma

“Keith has been a valuable guide throughout the home loan process. He is accommodating and is a great communicator. We have been very happy with Keith and Resifin Home Loans.”

– Saan

“Keith is an extremely conscientious and careful broker. Have always admired the way he comes across and his support in helping others manage their mortgages and housing financing. Would not bother going to anyone else.”

– Luke

“Right from day one, Keith was open and honest about finding us the right mortgage offer. He is extremely knowledgeable and gave us a huge amount of advice throughout the whole process. We can't thank Keith enough for making our journey as smooth as it was.”

– Chloe & Macaulay

“For over thirteen years Keith Begley has assisted us with all our financial needs: from a first time buyers loan to purchasing rental properties and refinancing to get the best deal available. In each case Keith has demonstrated a depth of knowledge coupled with an open, can-do approach.”

– Phil & Anna

“My experience with Keith was outstanding. He is entirely trustworthy and explains the details in favour of his client with options for saving. My Home loan process was made seamless by Keith with his professional approach and his vast market knowledge. If I had to buy another house, my first choice would be Resifin.”

– Girish

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