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Building your own home means borrowing differently: instead of one lump sum, a construction loan releases money in stages as the build hits milestones. That structure changes your interest costs, your risk and your lender options. This guide walks the progress-payment ladder, the cost-overrun trap that catches first-time builders, and how to compare build-versus-buy honestly — including the two years of your life a build quietly consumes.
build-cost feasibility
The lender pays your builder in stages — typically slab, frame, lock-up and fixing — after valuation checks, and you pay interest only on what has been drawn.
You fund the difference — either from cash or a cost-overrun buffer. Most lenders want to see a 5-10% contingency before they start.
Often cheaper per square metre, but time, stress and overruns erode the gap — this guide helps you cost both paths properly.
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