Building Your Dream Home? Let's Make It Happen.
Tailored construction loans designed to make your new build smooth from start to finish.
Whether you're starting from scratch or buying land to build on, AML Home Loans helps you secure the right construction finance — with flexible terms, expert guidance, and support through every stage of your build.
What Is a Land & Build Construction Loan?
A construction loan works differently from a standard mortgage. Instead of one lump sum, funds are released in stages — as your home progresses. This keeps interest costs down and ensures your build stays on track.
Why It's Smart:
- check_circle Pay only for what's built — interest applies as funds are drawn.
- check_circle More control and transparency over your spending.
- check_circle Can include land purchase + build under one approval.
- check_circle Suitable for both first-time builders and experienced investors.
Why Build With AML by Your Side
Compare Multiple Lenders
We work with multiple bank & non-bank lenders to find you the most flexible and affordable construction finance.
Stage-by-Stage Guidance
From pre-approval to final drawdown, we'll handle the paperwork and liaise with your lender at every stage.
Expert Advice for Complex Builds
Whether it's turnkey, land & build, or progressive drawdown — our team ensures your loan fits your project.
Step-by-Step: From Blueprint to Move-In
Our construction loan process keeps your build on track and on budget
Talk to AML
Tell us about your project — we'll assess your needs and budget.
Pre-Approval
Secure funding before construction begins.
Land Settlement
Finance arranged for land purchase.
Build Progress Payments
Funds released in stages as your builder completes each phase.
Final Inspection & Completion
Final payment released once your home is ready.
Move In
Enjoy your brand-new, custom-built home.
The AML Difference
- check_circle Flexible options through multiple bank & non-bank lenders
- check_circle Access to low-deposit and complex build loan structures
- check_circle Faster approvals and hands-on support
- check_circle Transparent, no-surprise communication
- check_circle Guidance from experts who've helped hundreds of Kiwi families build successfully
Common Questions About Construction Loans
Usually 10–20%, depending on the lender and project type.
You'll only pay interest on the amount drawn at each stage.
Yes, if you're a first-home buyer and meet eligibility criteria.
You can use your land's equity as part of your deposit.
Absolutely. AML works with flexible non-bank options when banks say no.
Ready to Build? Let's Get the Finance Sorted.
Your dream home starts with the right loan structure — one that fits your goals, budget, and timeline. At AML Home Loans, we make construction finance simple, transparent, and stress-free.