Land, Build & Renovations
There's something truly special about building a home or renovating. Whether it's buying land & building, understanding local consents, build contracts and construction finance partnering with Blue Water Mortgages provides a single point of contact and expertise for every stage of the process.

We work with you, your builder, and the bank to ensure the build stays on budget and on schedule.
Fast approvals thanks to industry links
Full scope of the market for the best rates possible
Customer focused approach
Clear, concise communication with on-going updates
Guiding you through the next steps
This is what you can expect when you partner with us.
1.
Connect With Us

We’d love to hear about your home build or renovation and how we can help you, make them a reality. We will talk through the project together, your budget and timeframes.

2.
You Are The Project Manager

Building your dream home is an exciting adventure! We’re here to support you every step of the way. We’ll help you stay on budget and help you to avoid surprises by working closely with your builder, council, and suppliers. Remember, every build contract is unique, so be sure to have your Solicitor review before you sign on the dotted line.

3.
Approval

We’ll help you gather all the paperwork for finance approval and find the perfect loan for your project.

4.
Building

As your build takes shape, we’ll make sure the payments to your builder match the drawdown schedule. This means your budget stays on track, and you can focus on the exciting part – seeing your project come to life.

5.
Handover

Congratulations! Your build is finished. Your builder will do a handover, and your insurance will need updating. Local permits are provided, and we will discuss restructuring your construction loan.

6.
Ongoing Relationship

We’re here to build lasting relationships and support you throughout your entire borrowing journey. Whether you just need to chat things through, refix your existing loan, discuss new borrowing options or explore an exciting new opportunity, we can help.

Have some questions?
Here’s some answered.

New home builds, being your primary residence you only need a minimum of a 10% deposit in most cases.

For some work yes, on a case-by-case basis. Persons carrying out the work will need to be qualified and may need to provide quotes and hold insurance for the work they do.

Building and undertaking large renovations requires expert budgeting and planning. Build costs can quickly mount up and it is best to work closely with your build team to avoid any unforeseen costs to be included early on in the budget.

In most cases yes. This will help you manage an expensive time in your life as you may be living offsite whilst the build is underway. When the build is complete the loan will typically move to principal and interest repayments.

The short answer is yes, but you will need to meet certain requirements as each project is uniquely different.
Our Promise
Guiding Your Journey

We are here to guide you through your entire homeownership journey, from preparing you to buy your first home, to owning your dream home and achieving financial independence. This involves building relationships, understanding what matters most to you, staying in touch, and offering top-notch advice.

Empowerment Through Knowledge

Knowing your numbers is crucial. We will provide you with the tools and information you need to make sound decisions. This involves access to helpful articles, industry updates, workshops, and regular check-ins to keep you on track and feeling confident about your finances.

Clarity, Not Confusion

We believe in clear communication and easy-to-understand explanations. This includes breaking down details into simple terms, providing regular updates, and offering a dedicated point of contact for all your questions.

An Individual Approach

Everyone’s financial situation is different. That’s why we will take the time to understand your unique needs and goals. We will then tailor your lending that’s perfect for you. This includes getting to know your financial situation and discussing your future plans to find the best loan terms for you.

Our recognised network

AND MORE

Investing in your
future well

Connect with us so that we can connect with you.