Did you know? In Victoria, buying a new home may come with valuable financial benefits!
Check with your finance broker to see if you qualify for the New Home Guarantee.

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Have you checked with your Financial Planner about buying your property through an SMSF—and whether it’s the right choice for your new home?

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A house and land package offers a streamlined process where you choose both the land and a home design that suits your needs. Benefits include potential stamp duty savings, a fixed-price contract, customisation options, and a brand-new home with builder warranties. It’s a great option for investors and homebuyers looking for a hassle-free build process.

A full turnkey house and land package means the home is completely move-in ready once construction is finished. It includes everything—landscaping, driveway, fencing, appliances, blinds, and all essential fixtures—so you don’t have to worry about any additional work. With a fixed price, you simply turn the key and start living!

The construction timeline depends on the builder, with most projects taking between 6 to 12 months after land settlement. Factors such as weather conditions, council approvals, and material availability can impact the completion timeframe.

Financing is typically split into two loans: one for the land and one for construction. The land loan works like a standard mortgage, while the construction loan is drawn down in stages as your home is built, meaning you only pay interest on the amount used at each stage.

When purchasing a house and land package, you only pay stamp duty on the land component, not the completed home. This can result in significant savings compared to buying an existing property, where stamp duty applies to the total purchase price.

As a first home buyer, you can benefit from stamp duty savings by only paying duty on the land, not the finished home. Additionally, you may be eligible for government grants and incentives, such as the First Home Owner Grant (FHOG), which can further reduce upfront costs and make homeownership more affordable. Know more about the Scheme