Investors · Owner-Occupiers · First Home Buyers
House and Land Packages Australia Wide
Anyone can buy a property. We help identify property worthy of your investment dollars.
A massive selection of locations, designs and sizes, with stamp duty generally paid on the land only, a high energy rating, full builder warranties and a brand-new home that stays ten years younger than the one next door.
Image: Calistemon, CC BY-SA 4.0, via Wikimedia Commons (converted to black and white)
Who it suits
One Product, Three Very Different Buyers
House and land works for investors, owner-occupiers and first home buyers, but for different reasons. Strategy comes first: Investor → Strategy → Location → Property.
For
Investors
A new, low-maintenance asset with higher depreciation and strong tenant appeal, in a location chosen for growth and rental demand.
For
Owner-occupiers
A home designed around how you live: the right size, layout and inclusions, with lower running costs and years of builder warranty.
For
First home buyers
Grants and concessions are generally aimed at new homes, and paying duty on the land only can make the upfront cost far more achievable.
Your choice
Choose Where, What Size and How It Works
Unlike buying an existing home, you aren’t limited to what happens to be for sale. You choose the location, the design and the layout to suit how you’ll live in it or who you’ll rent it to.
Location
Live or invest where it suits you. Growth corridors and regional centres across Victoria, Queensland, Regional NSW, WA, SA and Darwin.
House size & design
Compact first homes through to large family designs, with façades, floor plans and inclusions you choose.
Bedrooms, bathrooms & living
From three bedrooms and two bathrooms to five bedrooms with a second living area, theatre or study.
Single or double garage
Match the garage to the block, the budget and what tenants or your family need.
Single or double storey
Single storey for wider blocks and easy living, double storey to get more home on a smaller lot.
Dual key or duplex
Two dwellings and two incomes, either under one roof (dual key) or side by side (duplex).
Stamp duty
Pay Stamp Duty on the Land, Not the Whole Home
When you buy land and sign a separate building contract, transfer duty is generally calculated on the land value only. The home built on it doesn’t attract duty, because you’re paying a builder to construct it rather than buying an existing dwelling.
Buy an established home at the same total price and duty applies to the full amount.
Rules, concessions and thresholds vary by state and by contract structure. Always confirm with your conveyancer. Victorian buyers can read our guide to stamp duty in Victoria.
Illustration · $650,000 total
| Duty assessed on | Approx. duty | |
|---|---|---|
| Established home | $650,000 | $34,070 |
| House & land package $300k land + $350k build | $300,000 | $13,070 |
| Difference | ≈ $21,000 |
Illustrative only, using Victoria’s general (non-concessional) transfer duty rates. Figures differ in other states and for first home buyers, who may pay less or no duty.
The advantages
Why a New Build Works Harder
New builds are at the heart of our approach. Here’s why we generally prefer them to established property.
Stamp duty on the land only
With separate land and build contracts, duty is generally calculated on the land value, not the finished home. On a typical package that can save thousands of dollars upfront.
High energy efficiency
New homes in most states must meet the 7-star NatHERS standard under the National Construction Code 2022, plus a whole-of-home energy budget. Many older homes rate around 2 stars or less.
Builder warranties & guarantees
Statutory warranties cover defective work for years after completion: up to 10 years in Victoria, 6 years for major defects in NSW and about 6.5 years for structural defects in Queensland. Many builders add longer structural guarantees.
Lower maintenance
New roof, wiring, plumbing, appliances and finishes mean fewer repair bills, especially in the first decade, when an older home’s big-ticket items start to fail.
Stronger tenant appeal
Tenants will pay for a modern, efficient, low-maintenance home. In our experience, a new build attracts more interest and a higher rent than the older property next door.
Higher depreciation
A new build attracts capital works deductions of 2.5% a year for 40 years, plus full plant and equipment deductions, which are restricted on second-hand residential property bought since 9 May 2017.
The ten-year rule
A home built today will be ten years old in a decade. The home next door, built ten years ago, will then be twenty.
That age gap never closes. It shows up in maintenance bills, energy costs, depreciation and the rent a tenant is willing to pay, year after year.
Tax and policy
New Builds Keep Their Tax Advantage
The 2026–27 Federal Budget quarantines negative gearing losses on established residential property bought after 12 May 2026, from 1 July 2027. New builds retain access to negative gearing, adding to the depreciation advantage they already have.
First home buyers
Grants Favour New Homes
First Home Owner Grants are generally available only on new homes, including house and land.
| State | First Home Owner Grant |
|---|---|
| Queensland | $30,000, continued for contracts from 1 July 2026 |
| South Australia | $15,000 |
| Victoria | $10,000 (value cap applies) |
| New South Wales | $10,000 (value cap applies) |
| Western Australia | $10,000 |
Eligibility, price caps and stamp duty concessions apply and change. The Australian Government’s 5% Deposit Scheme can also help eligible buyers avoid lenders mortgage insurance. Check your state revenue office for current rules.
More income from one block
Dual Key and Duplex House and Land
A dual key home puts two self-contained dwellings under one roof on one title. A duplex places two homes side by side, often on separate titles. Both produce two rents from one parcel of land, lifting cash flow without giving up the land that drives long-term growth.
Council zoning, block size and the local resale market all matter, so this is where strategy and location research count most.
What to watch
Not Every Package Is Worth Buying
House and land is a product, not a strategy. These are the questions we ask before recommending any package.
- Supply in the estate. Hundreds of near-identical homes competing for the same tenants and buyers can hold back rents and growth.
- The land, not just the home. Land drives long-term growth. Position, size and scarcity matter more than the façade.
- Builder strength. Check licensing, track record, financial position and home warranty insurance before signing.
- Titling and build delays. Unregistered land can take months to title, and construction timeframes vary.
- Valuations. Banks value the finished product. Overpriced packages can leave a shortfall at settlement.
- Inclusions and variations. Know exactly what’s included. Site costs, driveways, fencing and landscaping add up.
- Interest rates. The cash rate rose to 4.60% in September 2026. Test your budget at higher repayments.
- Infrastructure and jobs. Hotspotting’s Terry Ryder points to supply shortages and infrastructure-led employment as key drivers of growth in 2026.
Where we can help
House and Land Across Australia
We research selected markets across the country. Start with the state or region that fits your strategy.
How we help
From Brief to Keys
Your brief
Investor, owner-occupier or first home buyer, your budget, location and the home you need.
Strategy check
We confirm house and land fits your goals, cash flow and borrowing before looking at a single package.
Selected packages
We present researched packages in locations worth investing in, with builders we trust.
Build to handover
Support through contracts, finance, construction and, for investors, leasing.
See every option on our Investment Property Types page.
Questions
House and Land FAQs
What is a house and land package?
A house and land package combines a block of land with a new home designed for it. You usually sign two contracts: one to buy the land and one with a builder to construct the home.
Do I really only pay stamp duty on the land?
Generally, yes. With separate land and build contracts, transfer (stamp) duty is usually assessed on the land value, not the finished home. The exact outcome depends on your state, the contract structure and timing, so confirm it with your conveyancer before you sign.
Are house and land packages good for investors?
They can be. A new home offers higher depreciation, lower early maintenance, builder warranties and strong tenant appeal. The location, the land and the estate still matter most, so strategy comes first.
Can first home buyers get a grant on house and land?
In most states, yes. First Home Owner Grants are generally aimed at new homes, and range from $10,000 in states such as Victoria, NSW and WA to $30,000 in Queensland, subject to eligibility and price caps.
How long does it take to build?
Land in a new estate may need to title first. Once construction starts, a single-storey home typically takes around six to twelve months, depending on the builder, design and weather.
Can I buy house and land in my SMSF?
Since 10 August 2026, new SMSF borrowing for residential property isn’t permitted, and construction inside an SMSF has its own rules. Speak with a specialist SMSF adviser first.
Make an enquiry
Find Your House and Land Package
Tell us where you’d like to live or invest, your budget and the home you have in mind. We’ll come back to you with options worth considering.
- No obligation
- Investors, owner-occupiers and first home buyers
- Single or double storey, dual key and duplex
- Selected locations Australia wide
House & Land Enquiry
Takes about a minute.
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Anyone can buy a property
We Help Identify Property Worthy of Your Investment Dollars
Investor → Strategy → Location → Property.
General information only. properT network does not provide personal financial, legal, tax or lending advice. Grants, duty, warranty and tax rules vary by state and change over time. Property investment carries risk, including the risk of loss. Seek independent professional advice before making any decision.
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