Home Pay with Kingsbridge Homes
Homepay
Build Now, Pay Later
Build with Up to 30% Increased Borrowing Capacity*
Homepay is a revolutionary finance option that allows eligible buyers to build their new home now, but with the option to delay repayments for up to 12 months. That means no repayment pressure while your home is being built, giving you the flexibility to continue renting, saving, or preparing for your move without the financial squeeze of paying both rent and a mortgage. You can also access up to 30% more borrowing capacity than with some major lenders.*
*Based on typical borrower scenario by Empire Financial Corporation Pty Ltd (Australian Credit Licence 398154). Individual results will vary. See full disclaimer.
Homepay, available through Kingsbridge Homes!
Simple Steps to Homeownership – Without the Wait
How It Works
Step 1: Choose Your Home
Browse our range of award-winning home designs and find the one that fits your lifestyle and budget. Our team will help you tailor your floor plan and get everything ready for construction.
Step 2: Apply with a Homepay Lender
You’ll be connected with our trusted finance partner, Build Start Finance, who will assess your eligibility and guide you through the Homepay application process step-by-step: it’s fast, transparent, and flexible.
Step 3: Build Now, Pay Later
Once approved, you can begin your home build right away. The best part? You won’t need to make repayments during the construction period — giving you more time to save, plan and prepare.
The Benefits of Building with Flexibility
Why Choose Homepay?
- Paused repayments on build and land during construction
Focus on what matters while your home is being built. - Avoid double living costs
Keep renting or living comfortably without juggling a mortgage. - Get into the market sooner
Don’t delay your dream — Homepay helps you take the leap faster. - Backed by trusted lenders
We work with finance providers who specialise in construction loans. - Available on a wide range of Kingsbridge designs
Choose from our most popular homes, including luxury upgrades and family-friendly floor plans.
Real solutions for all home buyers.
How Can Homepay Help You?
Renting While You Build?
If you’re renting and concerned about managing both rent and mortgage payments during construction, Homepay with Kingsbridge offers a practical solution. You can start your build now and delay repayments until your new home is finished — giving you the time and financial space to prepare for the move.
Already Own Land?
If you’ve purchased land and are still paying it off, Homepay can help reduce financial pressure during the build. As a Homepay Accredited Builder, Kingsbridge can bundle your land loan into a Homepay package, pausing your repayments for up to 12 months while your home is under construction.
Building an Investment Property?
Looking to manage cash flow while your investment takes shape? With Homepay, you can delay loan repayments until your investment starts generating rental income — giving you the flexibility to focus on leasing and returns once construction is done.
Frequently Asked Questions
Homepay is a finance option that allows you to start building your new Kingsbridge home now with the option to pause loan repayments until construction is complete. It’s designed to reduce financial stress during the building process, especially if you’re currently renting, paying off land, or building an investment.
Yes, you’ll still need a deposit, but not as much as you might with a traditional bank loan. Some of Homepay’s accredited lenders may offer home loans up to 95% LVR, meaning you could borrow up to 95% of the property’s value and only need to provide a deposit for the remaining 5%, depending on your individual financial situation. A Homepay finance partner will guide you through the specific requirements and help you understand your options.
Homepay is available on most of our Kingsbridge home design and across all ranges, including our Complete house and land packages! Whether you’re building your first home, upgrading, or investing, you can choose the design that best suits your needs and still take advantage of Homepay.
With a standard construction loan, you begin repayments as soon as building starts. With Homepay, repayments are paused for up to 12 months even if your home is finished earlier – giving you more breathing room during the build.
Homepay is available through our trusted finance partner, Build Start Finance, who specialise in construction loans and will guide you through finance approval once you’ve chosen your home design, with the loan provided by Origin MMS – one of Australia’s oldest non-bank lenders and a division of Columbus Capital Pty Ltd (ABN 51 119 531 252, AFSL and ACL 337303). Full details are available from Build Start Finance.
Your finance provider will work closely with you to manage any changes to your situation. It’s important to be upfront during the approval process so everything is structured in a way that supports your long-term goals.
Homepay is available to both. In fact, it’s an excellent option for investors looking to delay repayments until the property is completed and generating rental income.
Ready to Get Started?
Let’s Chat About Your Options
