Finance guidance that keeps pace with the build.
Sorted Property Collective works alongside Sorted Mortgages, an affiliated mortgage brokerage, so the buying, building and lending conversations happen together rather than in isolation.
Where finance fits in the process.
Most house and land packages involve two settlements, one for the land and one for the build. That makes the order of events important, because a land settlement date that arrives before finance is ready can put a deposit at risk.
Through Sorted Mortgages we can review your borrowing capacity early, prepare the application in step with the land contract, and stay across the progress payments while the home is under construction. You get one point of contact for the property, the build and the loan.
Anyone can lodge an enquiry, and there is no cost or obligation. What you can borrow and whether a loan is approved always depends on your circumstances and the lender's assessment, so we cannot promise a particular outcome or rate.
Building your future should not mean guessing at the numbers. Get the finance clear first, then choose the land and the home with confidence.
- 01
First home buyer loans
We look at deposit size, genuine savings history and the first home owner concessions that may apply in Queensland, then build the application around your timeline.
- 02
Construction loans
House and land usually settles in stages. We explain progress payments, valuation timing and what the lender needs at each drawdown before you sign a build contract.
- 03
Investment loans
For investors we review rental estimates, existing debt and the structure of the purchase so the loan fits the wider portfolio rather than sitting on its own.
- 04
Pre-approval
A pre-approval gives you a realistic budget to work with before you commit to a block. We prepare the paperwork so you can move quickly on the right package.
- 05
Bridging finance
If you are buying before you sell, or waiting on a settlement, we look at how bridging is structured, what it costs and how long you can hold it.
- 06
Refinancing
We review rates, fees and features against what you are paying now, and check whether refinancing or a restructure better suits your plans.
The questions we are asked most about lending.
Short answers to each. If yours is not here, ask us directly and we will give you a straight response.
What this page is, and is not.
- The information here is general only and does not consider your objectives, financial situation or needs.
- It is not credit advice, and nothing on this site is an offer of finance or a guarantee that a loan will be approved.
- Any rates, fees, borrowing amounts and government concessions depend on the lender and your circumstances, and can change.
- Sorted Mortgages is an affiliated mortgage brokerage. Before acting, consider your own situation and, where appropriate, seek independent legal, financial or tax advice.
Prefer to start with the property?
Browse the current packages, then we can talk finance once you have a shortlist.
