A house and land package lets you combine a vacant land purchase with a construction loan, for a single, streamlined purchase process.
Written by the Felix Finance team
Reviewed by Max Epstein
April 19, 2025
5 min read

What are house and land packages?

House and land packages combine a perfect block of land with a home design into one streamlined purchase process. When you buy a home and land package:

  • You secure both the land and home construction in one process
  • You pay stamp duty only on the land value (provided construction hasn't started)
  • You benefit from a simplified buying experience with pre-matched options
  • You have access to options suitable for first-home buyers and investors alike

Turning your dream home into reality is easier when you understand how a land package works.

Benefits of home and land packages

Choosing a house and land package offers numerous advantages over purchasing an existing home:

  • Enjoy a brand new home with modern features and innovative designs
  • Live in a home specifically designed around your family's needs
  • Select land that perfectly complements your lifestyle in the right place
  • Choose fixtures and finishes that reflect your personal style
  • Benefit from fixed pricing for better budgeting and financial planning

The path to home ownership becomes clearer when you know what your house land package includes.

Financing options for house and land

Understanding financing for house and land packages is crucial:

  • The process typically involves two loan components: one for the land and a construction loan for the house
  • You'll only pay stamp duty on the land component, saving you money
  • First-home buyers may qualify for stamp duty concessions
  • Land mortgage repayments begin after settlement
  • Construction loan payments occur in stages as building progresses

Consulting with finance professionals helps identify additional costs you might not have considered.

House design considerations

When selecting your perfect house design, keep these factors in mind:

  • Consider how the layout balances open living spaces with private areas
  • Explore different floorplan options to find one that suits your lifestyle
  • Compare designs ranging from compact to spacious family homes
  • Evaluate how custom options might enhance your living experience while staying within budget

Land developers often work with builders to offer innovative designs that maximise lot size and orientation.

Affordable house options for first-home buyers

First-home buyers should know about these opportunities:

  • Many house land packages are specifically designed to be accessible and affordable
  • Look for offerings with low deposit options and manageable payment plans
  • Check your eligibility for the $10,000 First Home Owner Grant
  • Research additional government incentives that might apply to your situation

Your dream of owning a perfect house can become reality with the right information.

Display homes and virtual tours

Research is an essential part of the buying process:

  • Browse online galleries in list view to see available designs and layouts
  • Visit display homes in person to experience the quality and feel of different options
  • Take advantage of virtual tours to explore homes from the comfort of your current residence
  • Use these resources to visualise your future living space before making a commitment

Most estate display villages showcase the best blocks and home designs available in the area.

First-home buyers' guide to house and land

If you're new to the property market:

  • House and land packages simplify the process of purchasing a new, customised home
  • You'll avoid the complexity of coordinating separate land and construction purchases
  • Knowing the full cost upfront helps eliminate budgeting uncertainties
  • The streamlined process makes home ownership more accessible for first-time buyers

Working with an experienced team can help navigate the journey to owning your dream home.

Home designs and inclusions

Understanding what comes with your package is important:

  • Most packages include modern appliances and quality fixtures as standard
  • Homes are typically delivered move-in ready with stylish finishes
  • Functional layouts prioritise practical living spaces
  • Compare inclusion lists carefully between different offerings to ensure value

Whether you prefer country style or modern minimalism, there's a house land package to suit your taste.

Locations for house and land packages

Location significantly impacts your living experience and investment potential:

  • Packages are available throughout Perth, the South West, and even the Sunshine Coast
  • Research neighbourhoods from the Peel region to Two Rocks in Perth
  • Explore opportunities in South West locations like Australind, Eaton, and Dunsborough
  • Consider proximity to schools, shopping centres, public transport, and healthcare facilities

The right place for your new home balances lifestyle, budget and future growth potential.

House and land packages for investors

For those looking at investment potential:

  • New builds often offer strong rental returns and tax depreciation benefits
  • High-specification builds typically maintain value over time
  • Quality home designs in strategic locations can attract reliable tenants
  • The simplified process makes adding a brand-new property to your portfolio more straightforward

Many investors find that house land packages in developing estates offer excellent long-term growth.

Steps to purchase a house and land package

  1. Research locations and builders that match your preferences
  2. Determine your budget and secure pre-approval for financing
  3. Visit display homes and research available designs
  4. Choose your preferred package and review all inclusions
  5. Sign contracts and pay deposits
  6. Wait for land settlement and construction to begin
  7. Conduct progress inspections during the building process
  8. Complete final inspection and prepare for settlement
  9. Receive your keys and move into your new home

Remember to consult with finance professionals throughout this process to ensure you're making informed decisions about one of life's biggest investments. With the right team supporting you, your dream home can become reality sooner than you might think.

FAQs

Can I customise my house design?

Most builders offer some level of customisation, from minor adjustments to significant floorplan changes. Check what options are available before committing.

How long does it take to build?

Typical construction timeframes range from 6 to 12 months after land settlement, depending on design complexity and builder workload.

What if land prices change after I sign?

Once you've signed your contract, your land price is typically fixed, protecting you from market fluctuations.

Are there hidden costs I should know about?

Request a detailed breakdown of all costs, including site works, connections to services, and finishing touches like landscaping and driveways.

This information does not take your personal objectives, circumstances or needs into account. Always read the disclosure documents for products and services before deciding on a product or service, and consider seeking independent legal, financial, taxation or other advice for your unique circumstances.
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