House and land packages in Australia

At Elephant Advisory, we specialise in helping our clients secure the funding they need to build the home of their dreams. Once your construction loan is approved, we will coordinate the settlement and confirmation to your builder. As your builder starts the build, they will request invoices in accordance with the building contract’s progress payment schedule. We are here to help manage these payments from the bank to the builder throughout the entire process, including any variations or issues that may arise. We arrange home and land package finance and construction loans across 50+ lenders, from your first pre-approval through to the final progress payment at completion.
In this article, we’ll break it all down in simple terms, including what a house and land package deposit actually covers, how much you might need, and how Easystart can guide you every step of the way. Let’s take the stress out of the numbers and bring your home ownership goal one step closer. Depreciation claims can be one of the biggest House and Land Package Loans Australia benefits to buying a house and land package as an investment rather than purchasing an established property. Amid Australia’s housing crisis, house and land remains one of the most cost-effective ways for first homebuyers to get a foot on the property ladder. But a house and land package can also be a sound option for investors. There’s a huge variety in what different development companies offer as part of their house and land packages.

It generally comes down to how confident you are comparing loans and taking care of the application admin by yourself. Products shown are based on an owner occupier who is refinancing a $500,000 loan, with principal and interest repayments and an LVR of at least 50%. Products are sorted by lowest interest rate, then lowest comparison rate. You'll be assigned a home lending expert who’ll call you to chat about any features you’d like to include, such as our construction option and splitting your loan. No matter how much planning you do, unexpected costs and delays are sometimes inevitable. So it helps to know regulations, the process and any tips before you start – check out the Australian Government’s yourhome site.
Lenders have specific criteria when lending to borrowers looking for a land loan. Most of the time, you can't just buy any piece of empty land to qualify for a land loan. The property or land you are buying secures the loan, meaning the lender can theoretically sell the asset if you can't repay the loan. Many states offer first-home buyer grants and concessions, which can significantly reduce the upfront costs of purchasing a house and land package. Once you’ve chosen your land, the next step is selecting a home design.
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If you want to buy a house and land package and create your dream home, compare the interest rates, fees and features on offer from a wide range of lenders. This will help you find the most affordable home loan for your house and land package. The price of your house and land package could fluctuate depending on the additional customisations you may want to add. Discuss with your builder and the developer if they can offer any extras for free or an additional discount. If the market is cold, builders and developers are probably more open to negotiate. The financing is pretty straightforward involving buying the land your property will sit on and then the construction for the house.
Add on top of this generous concessions for first home buyers and many of our clients can walk away with a nominal bill for stamp duty. With Simonds, you’ll receive a transparent, fixed-price contract that covers your chosen home design on your selected block of land. No hidden fees, no unexpected variations — just peace of mind from start to finish. For buying a home and land package, you’ll need two loans – one for buying the block and one for construction.
We are required to disclose our commission arrangements to you before you proceed with an application. Should any fees be payable by you for our services in specific circumstances, we would discuss this clearly upfront. Our approach is built on transparency and ensuring you understand all aspects of the service we provide.

If you buy a package that has not yet been built, you will only pay stamp duty on the land, not the house itself. This can save you a lot of money at a time that it can come in very handy. ‘How long will construction take’ is another common question when you are buying or moving from paying rent to buying a house and land package. When you are buying a house that is already built, settlement contracts are clear and can be negotiated. However, there  can be a range of different variables when you buy home and land packages.
We’re proud to present a collection of environmentally safe house & land plots specifically designed to meet the needs of conscious living individuals. Our mission is to build socially, environmentally, and financially responsible house & land opportunities, ensuring a healthier and greener future for Australian families. Another benefit is that new house and land packages are often built with sustainable materials. As the construction industry becomes more and more environmentally conscious, so do the houses that are built.

Our most affordable entry point — house and land packages from the low $500s, just minutes from Geelong's CBD and the Great Ocean Road. Armstrong Creek and Mount Duneed offer a genuine lifestyle alternative to Melbourne, with new schools, shopping, and transport infrastructure already in place. This service is free of charge and provides peace of mind to all clients that their new home in Melbourne is built to the highest quality and compliant with Australian Standards. House and land packages are the most popular way to build a new home in Melbourne — and Home Group makes it simple. With 100+ affordable packages across Melbourne's North, West, South East and Geelong regions, every home is purpose-designed for its block, fixed-price, and backed by Australia's 3rd largest builder. It is important that you speak to your ANZ Home Loan Specialist to make sure the piece of land is suitable to be financed with a land loan.
In terms of deposit requirements, take into consideration the average cost of house and land packages being built in the West where property investment is on the rise. When tackling a house and land package, it is crucial to take the appropriate initial actions. Many lenders are aware of the dual-contract process these packages entail and provide customised solutions.
Additionally, there may be other financial incentives you can take advantage of. For instance, some house and land builders offer packages with premium upgrades or luxury features for a price lower than a standard package. For those looking for a smoother journey to turning the key on their new home, a house and land package is a good idea. Don’t go through the hassle of struggling to find a home design to suit an available block of land – Hotondo Homes offers a ready-to-build solution. We pre-match each block with a beautiful home design, offering you the certainty of a fixed price package with the flexibility of our tailored floor plans. Save time and energy while still getting a home that reflects you with Hotondo Homes’ house and land package deals.

House and land packages are an excellent choice for first home buyers. Additionally, first home buyers may be eligible for various West Australian State Government grants, which can make the process even more affordable. Mortgage lenders assess your borrowing capacity by analysing your income, expenses, and any existing debts, such as car loans, personal loans, or credit card payments. The primary objective for lenders is to ensure your ability to manage regular home loan repayments.