A brand-new home for less — if you read the fine print
Find the right houses & land package
A brand-new home for less — if you read the fine print
Find the right houses & land package
What makes house & land different
Four things every buyer should understand before signing — and where the savings (and the surprises) hide.
Two Building Contracts
Most packages are land + build, which shapes your deposit and timing.
New Home Grants
Because it’s a new build, it usually qualifies for the First Home Owner Grant.
Duty On Lands Only
In a two-part package, stamp duty is often charged on the land value alone.
Watch the base price
Advertised prices are a starting point — site costs and upgrades add up.
What You Actually Pay
Four things every buyer should understand before signing — and where
the savings (and the surprises) hide.
2
Two Contracts
Most packages are land +
build, which shapes your
deposit and timing.
HOW IT WORKS
New
New Home Grants
Because it’s a new build, it
usually qualifies for the First
Home Owner Grant.
GRANTS
Land
Duty On Lands Only
In a two-part package, stamp
duty is often charged on the
land value alone.
BIG SAVING
"From"
Two Contracts
Advertised prices are a
starting point — site costs
and upgrades add up.
FINE PRINT
Process We Follow
Process We Follow
What You Actually Pay
Know the Real Cost — Not Just the Advertised Price
What Makes The Price Move?
- Build prices are usually fixed.
- Site costs and upgrades can increase the final price.
- Your required deposit depends on the total project cost.
What Deposit Will You Need?
- Fixed prices may not include all costs.
- A land deposit is usually required.
- Government schemes may reduce your deposit to 5% or even 2% (if eligible).
Grants & Stamp Duty Saving
- New builds may qualify for First Home Owner Grants.
- Stamp duty savings can reduce your upfront costs.
- Eligibility varies by state, so we confirm what applies to you.
House & Land Packages In Victoria
- Turnkey
Hard to change later — adds real, lasting value
- Flooring, paint and fixtures throughout
- Driveway, fencing and landscaping
- Blinds, letterbox, clothesline — the finishing details
- You collect the keys and move straight in
- Base Packages
Lower headline price — but you finish (and fund) the rest
- The essential build only
- Flooring, driveway, fencing and landscaping often excluded
- More room for cost creep through variations
- Cheaper to sign, often more expensive to finish
Frequently Asked Questions
What is a house & land package?
It bundles a block of land with a home design to build on it. Instead of buying an existing home, you buy the land and contract a builder to construct a brand-new home — usually marketed together at one advertised price.
It’s popular with first home buyers because it’s often the most affordable route into a new home, and being a new build, it unlocks grants and duty savings an established home wouldn’t.
One contract or two — and why it matters
Most packages are two separate contracts: one to buy the land, one to build the home. (Some are a single contract, where the builder owns the land and sells you the finished product.)
The two-contract structure is usually the buyer’s friend — it can mean you pay stamp duty on the land only, not the completed home, and it changes how your deposit and finance are staged. We make sure you know exactly which structure you’re signing.
Registered vs unregistered (titled) land
Registered (titled) land is ready to build on now — you can settle and get started. Unregistered land hasn’t been formally titled yet: you can sign, but you can’t settle or build until it registers, which can take months and sometimes slips.
Cheaper “off-the-plan” land is often unregistered. Neither is wrong — but it dramatically changes your timeline and your finance, so it’s essential to know which you’re buying.
How does the payment process work?
You don’t pay for the whole home upfront — it’s staged:
- A deposit to secure the package.
- The land settles first (paid for or financed).
- The build begins, with progress payments at set stages — slab, frame, lock-up, fixing, then completion.
You draw down your loan as the home is built, so repayments ramp up over the build rather than hitting all at once. We help you plan the cash flow.
Before you sign the package, let us read the fine print.
- We match the design to your goals — your lifestyle, or your tenants and returns.
- We compare builders apples-to-apples — inclusions, allowances and all.
- We connect you with the right lender — including construction lending specialists.
- We're independent — working for you, not the builder.
