Built properly,
funded the same way.
Sequel structures your construction loan around your actual build timeline — drawdowns, valuations and contingency — not a generic progress-payment template.
Whether it's a knockdown rebuild, a major renovation, or a spec build, we make sure the finance keeps pace with the build.
The build is the easy part.
It's the finance that trips people up.
Most lenders weren't built for construction. Drawdowns, valuations and contract variations catch people out right when the build is moving fastest.
Progress payment timing
Drawdowns need to land when your builder invoices, not weeks later. We structure the schedule around your actual build program.
Valuation shortfalls
An as-if-complete valuation can come in under contract price. We know which lenders assess construction value properly.
Contract variations
Changes mid-build can blow out your loan amount. We build in room before it becomes a problem, not after.
Land & construction loans
Buying the block and building are two different risk profiles to a lender. We structure both halves so neither one stalls the other.
"A construction loan isn't a normal mortgage with extra paperwork — it's a different kind of lending, and it needs a broker who's actually done them."
We take the files other brokers pass on — and everything in between.
Complex file or straightforward one — refinance, investment, first home or the harder cases — every application gets the same rigour, which means we know exactly which of our 40+ lenders will actually say yes.
Specialist, not generalist
Self‑employed, defaults, ATO debt and career breaks are every day for us — right alongside refinances, investment loans and first home buyers.
Strategy before paperwork
We map your full picture and tell you what's realistic before a single form goes near a lender.
40+ lender panel
Including specialist and non‑bank lenders who price your file properly instead of by a checkbox.
A straight answer, fast
You'll know what's actually possible before you hand over a single document — no runaround.
Meet Adam,
Lending Director.
Adam started Sequel after a career as a professional athlete, where income never looked like a regular payslip and contracts changed year to year. Being taken seriously by a bank meant something different when your file didn't look like everyone else's.
He's been self-employed since 2017 and knows firsthand what it's like to run a business, carry a mortgage, and still not fit neatly into a lender's checklist. These days he's a husband and dad to two boys — and he built Sequel to be the broker he wishes he'd had: someone who reads the whole picture before deciding what's possible.
"I've sat on the other side of the desk, explaining my own file to a lender. I built Sequel so no one has to explain themselves twice."
Four steps to a straight answer.
No paperwork to start, no credit check, no judgement about how you got here.
Tell us your situation
A two-minute form about your income and your goal. Completely private, no credit check.
Get a straight answer
A specialist calls you back and walks through what's realistically possible for your file.
We build the case
The right lender, the right documents, presented properly the first time — not the tenth.
Approved, not just applied
One plan, one lender who fits your file, and someone who stays on it until it settles.
See your numbers before you talk to anyone.
The Sequel Check is a free 60-second pre-check — built for exactly these scenarios. Answer a few questions and get an instant read on your borrowing power.
What the check gives you
An instant, honest read — not a generic checklist.
- An estimated borrowing power, calculated on the spot
- A straight fit rating — strong, workable, or needs a closer look
- Built for self-employed, defaults, ATO debt and career-break files
- No credit check, zero cost, zero obligation
Illustrative example — your result will be based on what you tell us.
Takes about 60 seconds. Indicative estimate only — not a credit approval.
You're probably wondering.
Instead of one lump sum, funds are released in stages as your build reaches agreed milestones — slab, frame, lock-up, fit-out and completion. You only pay interest on what's been drawn down.
Variations are common. We build contingency into your approval upfront so a kitchen upgrade or unexpected site cost doesn't derail your loan.
Most lenders require one to approve a construction loan. If your builder is proposing a cost-plus contract, we'll talk you through what that means for your finance.
It's the bank's estimate of your property's value once the build is finished. If it comes in under the contract price, your loan amount can shrink. We know which valuers and lenders are realistic about new builds.
Yes — this is common. We structure the land purchase and construction finance so you're not paying two full mortgages while you wait to build.
No. The form above is just information you share with us — nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
We call within 24 hours of receiving your details, or the next business day if you get in touch over the weekend. Prefer a set time? Let us know on the call and we'll lock one in.
Let's find out what's
actually possible.
Two minutes. No credit check. No judgement about how you got here — just a straight answer.
