01·Cash flow
I/O
Interest-only options
Make your build more affordable with interest-only repayments during the construction phase.
Learn more
Strategic construction
funding, Melbourne.
Navigating the complexities of building a new home or a knock-down rebuild requires more than just a loan it requires a strategy. Our award-winning Melbourne mortgage brokers specialise in progressive drawdown loans, interest-only construction funding, and medical-specific lending solutions.
- Progressive drawdown to manage cash flow
- Interest-only during the build phase
- All extra costs factored into total funding
Response within 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
Why Builders Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
Project lifecycle support
From slab to rooftop and beyond
[ 04 ]
20+
Years experience
Construction lending in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You're juggling rent or an existing mortgage while trying to fund the progressive stages of your new build.
You're unsure how 'extra' costs like landscaping, fencing, and pools fit into your construction loan.
You don't know how progressive drawdowns work or how to keep monthly outgoings low during the build.
[ 01 ] The strategy
From blueprints
to keys.
Managing a build in the Melbourne property market can be tricky. You need to navigate the costs of your current lifestyle while funding the progressive stages of your new home. At Cutter & Co, we don't just provide a loan; we provide a project-focused financial plan. Our team ensures all ‘extra’ costs like landscaping, fencing, and pool installation are factored into your total funding, even if they aren't in your fixed-price contract.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
A project-focused financial plan that covers every stage from slab to settlement.
[ 01 ]
Progressive drawdown expertise.
Unlike a traditional mortgage, a construction loan releases funds in staged payments directly to your builder, so you only pay interest on money that's been spent.
[ 02 ]
Interest-only during the build.
Keep your monthly outgoings low during construction with interest-only repayments, switching to principal and interest once your home is complete.
[ 03 ]
Your complete 'Dream Team' support.
With 20+ years of experience, we help you choose the right team from architects to town planners, ensuring clear communication every step of the way.
[ 02 ] Strategic reasons
Four reasons to trust
our construction specialists.
Every build is different. We blend interest-only, bridging, owner-builder, and valuation strategies so your project stays on track.
02·Bridging
Bridge
Bridging loan expertise
Buy your new land or build site before selling your current home with seamless bridging finance.
Learn more
03·Owner-builder
DIY
Owner-builder solutions
Specialised support for those managing their own projects without a licensed builder.
Learn more
04·Valuation
Future
'As if complete' valuations
We secure funding based on the future value of your project, not just current equity.
Learn more
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family - because the right strategy makes all the difference.
- Step02
Eligibility assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre-approval or approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] Your strategist
Your build journey,
backed by an award-winning team.
“We fund, you build. A streamlined construction loan process to keep your site moving from slab to rooftop.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 40+
Leading Lenders
Google · 5.0
[ 05 ] Reviews
Client reviews on our construction funding.
“Chantal and her team were professional, friendly, and incredibly helpful throughout our construction loan process. Their guidance on drawdowns and communication with our builder were excellent.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right construction funding structure for our knock-down rebuild. We would highly recommend Cutter & Co to anyone building.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 06 ] Essential answers
Questions Melbourne
builders
actually ask.
Short, honest answers to help you plan your build with confidence.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Start Your Build JourneyReady to turn your
plans into reality?
Tell us about your build. We'll come back at our earliest with a tailored construction funding strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne builders.
- No cost to you. We're paid by lenders.
Step 1 of 3
What type of build?
Takes less than 60 seconds. No obligation to proceed.
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