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Loan Types & Features

House & Land Package

Vacant land and a construction contract bundled — two staged settlements.

What is House & Land Package?

A house and land package bundles the purchase of vacant land with a construction contract to build a new home on it. Two separate settlements: land first, then construction drawdowns as the home is built.

Why it matters for you

H&L packages often qualify for FHOG (most states), stamp duty concessions on the land component only (significant saving), and new-home depreciation schedules for investors. Finance requires coordinated approval across both land and construction portions.

We coordinate both settlements

Free. No pressure. No credit check.

Related terms

Staged finance for building a home — interest only on what's drawn.

Loan Types & Features

State cash grant for first-home buyers — usually new builds only.

Tax & Government

The state tax you pay when you buy property. Biggest cost after deposit.

Tax & Government
Last updated: April 2026