Making progress payments

Now that you’ve got a construction loan, there’s a few things you should know.

Important info about construction loans

Progress inspections

We might need to do a progress inspection of your property before or during construction, and before the final progress payment is made.

The person inspecting will arrange these inspections with your builder.

Insurance policy

Before the final payment is made, you’ll need to give us a copy of the insurance policy or Certificate of Currency for the building.

Make sure you put us as the mortgagor of the property when taking out the insurance.

Multiple payments

If you’re wondering why you need to give your authority multiple times, it’s because you need to authorise each stage of construction.

This means you’re only paying for work that’s been done.

Giving us your authority

We can’t pay your builder unless you give us your authority. Authorisations will need to be done before each stage of construction. This means you’ll need to do it multiple times –  we’ll let you know when.

If construction is already under way and you’ve been posting us your authority using the print authority forms, feel free to continue doing this instead of using Bankmail.

If you’re just getting started, there’s a few ways you can give your authority.


This can be done through Bankwest Online Banking from a desktop computer.
Find out how


If you don’t want to use Bankmail, you can also download a Customer Authority to Make Progress Payment form and send it back to us.
Download form (PDF)

How to use Bankmail to authorise your progress payments

Using Bankmail is a quick and easy way for you to make sure your builder is paid on time. You’ll simply be letting us know that you want us to pay your builder at each stage of construction. This means you’ll need to do this multiple times as construction progresses.

Step 1 - Log in to online banking

Image of Bankwest Online Banking login page

Firstly, you’ll need to log in to online banking using your Personal Access Number (PAN) and password.

Bankmail can only be accessed through desktop, so you won’t be able to use the Bankwest App. Don’t remember your PAN? Here’s how to find it.

Step 2 - Navigate to Bankmail

Image of online banking menu with Bankmail highlighted. Bankmail can be seen as a submenu of the Message centre menu.

When you’ve logged in, you’ll notice a menu on the left-hand side of the screen. Select ‘Message centre’, and then ‘Bankmail’.

Step 3 - Create a new message

Image of Bankmail inbox with compose button highlighted. Compose sits at the bottom of the page, in between check mail and delete.

To send us an email, select ‘compose’. You’ll now be able to create a new message.

Step 4 - Complete a Progress Payment Authority email and send

Image of the Progress Payment Authority template with the send button highlighted

Within the subject field, select the ‘Progress Payment Authority’ drop down option, and fill out the template provided with your reference number, the stage of your claim, your builder’s name, and the payment amount. You’ll also need to attach your Builder’s Tax Invoice if your builder hasn’t already sent it to us.

You just need to send the message, and you’re done. We’ll take it from there.

Need more help?

If you still need help you can speak to someone from the team.