New dwelling approvals are stabilising—and that’s a good thing. For investors, it signals that the worst of the downturn is over. But OTP (off-the-plan) and construction lending remain complex and highly variable. 

• Year-on-year approvals have improved from 2023 lows 

• Banks are re-evaluating risk buffers and valuation gaps 

• Smart finance = lower delays + faster build transitions 

HIA data suggests that national dwelling approvals are down just -0.9% YoY, with QLD, WA, and SA making strong comebacks. Finance must keep pace with this new activity. 

At Infinite Finance, we guide clients through construction-timed lending—managing drawdown phases, valuation negotiations, and approval delays to keep your build journey moving smoothly. 

Planning to build? Make sure your finance doesn’t fall behind. 

Explore our construction lending toolkit—watch the walkthrough