Financing for Your Secondary Dwelling
Once your building permit is obtained, Gov Development helps you secure the financing to build your modular dwelling — working with both banks and private investors to achieve a high approval rate.
6.5%–8% p.a.
Typical interest rate range for secondary dwelling construction finance arranged through our lending network.
Traditional Bank Lending
We negotiate with major Australian banks and credit unions to secure competitive construction loans structured around your dwelling project.
Private Investor Network
When banks aren't the right fit, we connect you with our network of private investors who fund secondary dwelling projects directly — often with more flexible criteria.
High Approval Rate
By presenting your application across both institutional and private channels, we achieve a far higher approval rate than a single-lender approach.
How Finance Works
From permit to approval, here's the step-by-step path to funding your dwelling build.
1. Obtain Your Building Permit
Financing begins once your building permit is secured. This demonstrates to lenders that your project is approved and ready to proceed — a critical step before we approach any financier.
2. We Prepare Your Finance Application
Our team compiles your dwelling specification, permit documentation, and project cost breakdown into a complete finance package, then submits it to the lenders and investors best matched to your situation.
3. High-Approval Assessment
Because we work with both traditional banks and private investors, your application is assessed across multiple channels — significantly increasing the likelihood of approval.
4. Approval & Handover to Build
Once finance is approved, funds are released according to the agreed schedule and your build moves straight into production — no delays, no gaps in accountability.
Eligibility Checklist
Finance assistance becomes available once your building permit is secured. Have the following ready so we can move quickly once your project is approved.
Don't have your permit yet? We handle the full approval process as part of our end-to-end service — from concept to handover. Contact us to get started.
Ready to Fund Your Build?
Speak with our team about financing your secondary dwelling — whether through a bank or a private investor, we'll find the right path for your project.