House and Land Package Loan: A New Home Your Way

From plans to memories, let us help you build the home that’s truly yours.
  • Customise your home to fit your needs and style
  • Pay stamp duty on the land only, not the completed home.
  • First-home buyers can unlock savings with government grants and schemes.
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16+ years in business
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$5 billion+ loans settled
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Fast & confidential loan process
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What Are House and Land Packages?

House and land packages are offered by property developers who acquire land, lay essential infrastructure, and provide:

  • Properties: Fully completed homes ready to move into.
  • Customisable Home Designs: Choose your block of land and personalise your dream home.

This streamlined approach combines land and construction, making it simpler to secure your new home.

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Who Is It For?

House and land packages are best suited for:

  • First-home buyers as it’s an affordable way to enter the property market
  • Families who require the design and space for their growing needs.
  • Investors who want strong rental yields and tax benefits.
  • Downsizers who want modern and low-maintenance homes
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How Do House and Land Package Loans Work?

House and land package loans have two components:

  • Land Loan: Similar to a standard home loan, allowing you to borrow up to 95% of the land’s value.
  • Construction Loan: Covers building costs, approved based on the bank’s valuation or the building contract’s cost. Payments are made in stages as construction progresses.

How Much Can I Borrow?

  • Up to 95% of the land value for land-first purchases.
  • Up to 90% of the property’s completed value for turnkey homes.
  • 100% financing if you have a guarantor.
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Potential Challenges and How We Help

While house and land packages offer convenience, they’re not without challenges:

  • Hidden Costs: Landscaping, driveways, or fencing may not be included.
  • Upgrades and Fees: Customisation and council approvals can add up.
  • Delays: Weather or builder issues can push timelines.
  • Location Limitations:Some packages may be in less developed areas.
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How Home Loan Experts Lead the Way

  • Transparent Cost Insights: We help you understand the full cost upfront.
  • Tailored Loan Solutions: Tailored Loan Solutions: Get financing that suits your specific needs.
  • Trusted Builders: Access reputable developers to minimise risks.
  • End-to-End Guidance: From pre-approval to settlement, we’re with you every step of the way
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Tips for a Smooth Experience

  • Get Pre-Approval: Know your borrowing capacity before committing.
  • Ask Questions: CClarify what’s included in the package and what’s extra.
  • Budget For Extras: Set aside funds for unexpected costs like landscaping and upgrades.
  • Review Contracts Carefully: Ensure your land and building contracts include finance clauses and cooling-off periods.
  • Work With Experts: Partner with experienced mortgage brokers and legal advisors to avoid costly mistakes.
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Award-Winning Expertise At Your Service

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50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

Commercial Loan Solutions For You

We can help you get the right commercial loan in 3 easy steps.

  • Enquire with us.

    Complete our free online assessment form to see if you qualify for a commercial loan. Or connect with a specialist at 1300 889 743

  • Understand your situation.

    A dedicated expert will connect with you to understand your specific goals. Together, we’ll assess your current mortgage standing.

  • Secure your ideal solution.

    Leverage our network of lenders to find the best option based on your needs.