Chocolate Money

Reward details

APB Members can receive an 8% reward on their paid residential mandate fees (excluding commercial, development, and business mandates) when they register their interest here first.

Trusted Finance Specialists For Builders

Chocolate Money is the finance broker of choice for the construction industry, providing expert lending advice to builders, developers, and trades since 2003. Led by Director Harry Pontikis — a recognised keynote speaker who has presented at more than 250 building and construction events — the Chocolate Money team brings deep industry knowledge, strong lender relationships, and a genuine understanding of how builders operate financially.

Their experienced team includes brokers recognised with Platinum and Gold awards from the Professional Lenders Association, putting them in the top tier of finance brokers in Australia. From complex development finance to home loans for the self-employed, Chocolate Money knows how to structure lending that works for construction businesses.

Chocolate Money specialises in:

Builder & construction loans — tailored lending for residential builders, covering cash flow, overdrafts, and project funding.

Low Doc & self-employed loans — specialist solutions for builders who don’t fit the standard lending criteria.

Development & commercial finance — funding for multi-unit developments and complex projects.

Debt consolidation — freeing up cash flow by consolidating debts into existing mortgages, saving builders thousands.

Refinancing — moving commercial or residential loans from second-tier lenders to main banks, slashing interest rates, fees, and charges.

For Chocolate Money, it’s always personal and never just about the finance.

Register here to activate your reward now.

Special Terms & Eligibility

This reward is only available to new customers of Chocolate Money who are current members of the Association of Professional Builders (APB). Excludes commercial, development, and business mandates.

Existing Chocolate Money clients are not eligible to receive this reward.