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Stage 4:                                                                         Your home, your way



                                 Ready to build






                                                                                                                  Plan your build




                                 After your loan is formally approved and all construction
                                 and loan documentation is held by us, we’ll send you and
                                 your builder a commencement letter – this is our formal
                                 approval that construction can commence and you can
                                 start building your home.                                                       construction loan   Finalise your




                                 Key steps when you’re ready to build your home               18


                                                                                                                 e
                                 Stages of building                                           18                 a
                                                                                                                 d
                                                                                                                 y
                                                                                                                 t
                                                                                                                 o
                                 Variations to Building Contract                              18                 b
                                                                                                                 u
                                                                                                                 i
                                                                                                                 l
                                                                                                                 d

                                                                                                                 R  Ready to build




                                                                                                                 and repayments   Managing your build









                                                                                                                  Enjoy your new home








                                                                                                                  Additional resources


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