Build with Minimal Deposit and Capitalised Construction Costs
Build now, pay later to maximise leverage and minimise upfront costs.
Preserve Capital with a ‘Build Now, Pay Later’ Scheme
For the astute investor, capital is king. Why tie up significant funds in a construction loan only to pay interest while your investment property sits empty?
Introducing a purpose-built ‘Pay on Completion’ finance solution that allows you to secure a new investment property in Australia with a minimal deposit and zero out-of-pocket interest payments during construction. All interest costs during the build are capitalised into the loan, meaning you can preserve your cash flow while the property is being completed.
Whether you’re building your first investment or expanding your portfolio, this loan product helps you get there with lower upfront contributions and greater financial flexibility. As your trusted Melbourne mortgage specialists, TMMC helps secure this unique finance option from participating lenders. Count on our team to turn a complex build project into a smart cash flow strategy.
Why Investors Choose the ‘Build Now, Pay Later’ Scheme
Minimal upfront deposit required (subject to lender and builder terms).
Interest during construction is capitalised — no repayments until completion.
Free up capital to use elsewhere in your portfolio.
Begin repayments once the property is complete and rent-ready.
Work with accredited builders to ensure a smooth construction process.
Structure loans for maximum tax efficiency (speak with your accountant).
Eligible Investment Property Types
Standard detached investment homes
Dual-key dwellings for dual-income strategies
Duplex builds for maximum rental return and future subdivision potential
How It Works
Finance Secured
TMMC expertly secures your construction loan pre-approval from a participating lender. Lenders allow interest incurred during construction to be capitalised, fulfilling the ‘build now, pay later’ requirements.
Minimal Deposit & Builder Selection
You make a minimal initial deposit. With our expert guidance, you must choose an accredited builder who meets the scheme’s standards.
Capitalisation Period
Construction begins. During the build period (up to 12 months), no repayments are required. Interest accrues but is added to the principal balance.
Completion & Tenancy
Construction is finished, and the property is leased. The loan transitions to standard principal and interest repayments, immediately supported by rental income.
Ideal for Investors Who Want To
Preserve capital while expanding their portfolio.
Avoid cash flow strain during the build period.
Secure a new-build investment with minimal upfront costs.
Use rental income to support loan repayments post-completion.
Invest smarter in high-growth areas using builder equity and lender support.
The TMMC Advantage: Mastering ‘Build Now, Pay Later’ Requirements
Accessing this ‘build now, pay later’ scheme requires a specialist who understands investor serviceability and specific lender criteria. As a premier Melbourne mortgage broker, we’ll help secure the best terms for your investment property in Australia.
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Minimal Deposit
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We compare lenders to achieve the lowest viable deposit for your specific property investment strategy.
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Accredited Network
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We help verify that the builder meets the scheme’s rigorous standards, protecting your investment and simplifying approval.
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Serviceability
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We structure the investment loan application to reflect the property’s future rental income, maximising your borrowing capacity.
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Tax Strategy
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We guide you on how to best structure the capitalised interest, in addition to your accountant’s advice on tax deductibility.
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Competitive Terms
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We help ensure you access investor-friendly lenders with competitive rates and borrowing limits.
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Important to Know
Loan approval is subject to serviceability and credit criteria.
Capitalised interest is not waived; it is added to your final loan amount.
Deposit requirements vary based on lender and builder selection.
Tax deductibility may apply to capitalised interest (check with your accountant).
Start Building Your Investment Property with Less Upfront
Don’t let construction interest costs erode your investment capital. Let TMMC structure your finance to maximise leverage and cash flow.
Strategy Session
Contact TMMC for a free consultation. We assess your current portfolio and confirm your eligibility for this ‘Pay on Completion’ scheme.
Secure Financing
We handle the loan application and secure your pre-approval with the best terms from a participating lender.
Expand Your Portfolio
Start building immediately without the burden of ongoing payments.
Contact TMMC today to start discussing capitalised construction finance.