Build Now,
Pay Later.
Start your construction project today with flexible payment options. No large upfront costs — just quality building, on your terms.
Built for People Ready to Build
Whether you're building your first home, investing, or renovating — flexible payments make it possible.
First Home Builders
Get into your new home sooner without waiting years to save the full amount upfront.
Property Investors
Start generating rental returns while managing your construction payments over time.
Renovators & Extenders
Transform your existing property now with flexible payment arrangements.
Three Steps to Get Started
We've made it straightforward so you can focus on what matters — your project.
Free Consultation
We assess your project, discuss your goals, and determine your eligibility for flexible payment options.
Tailored Payment Plan
We structure a payment plan around your project timeline and financial situation — no cookie-cutter solutions.
Build Begins
Construction starts on schedule. You pay in stages as milestones are completed, with full transparency at every step.
Financial flexibility without compromising quality
Frequently Asked Questions
Build Now, Pay Later is available for new residential builds, commercial construction, renovations, and extensions across Australia. Projects must meet minimum value requirements.
Unlike traditional construction loans, our flexible payment structures are designed to reduce the upfront financial burden. We work with financing partners to offer tailored solutions that align payments with construction milestones.
Absolutely not. Every project receives the same quality oversight, compliance management, and construction standards regardless of the payment method chosen.
Eligibility depends on factors including income, credit history, and project scope. The best way to find out is to book a free consultation — we'll assess your situation and guide you through the options.
We believe in full transparency. All fees, terms, and conditions are disclosed upfront before you commit. There are no hidden charges.
Ready to Start Your Build?
Book a free consultation to find out if Build Now, Pay Later is right for your project. No obligation, no pressure.
Disclaimer: Build Now, Pay Later financing is subject to eligibility criteria and approval. Terms, conditions, fees, and interest rates apply. This information is general in nature and does not constitute financial advice. TOFA Group recommends consulting with a financial advisor to determine suitability for your circumstances.