Innovative Lending Solutions
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Australian Credit Licence #387856
07 · House & Land

House and land,
as one project.

Buy the land, build the home — under one coordinated finance structure. We sequence land settlement, builder contracts and construction draws so the whole project flows smoothly.

Borrowing Capacity Calculator
Live
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Estimated Borrowing Capacity
$820,000
Across 28 matched lenders · 30-yr term · 6.5% assessment rate
Best Variable
5.99%
Best Fixed 3Y
6.29%
Repayment
$5,184

Indicative only. Final capacity confirmed with a strategy call.

What's covered

House & Land Packages — end to end.

Every angle of house & land packages, handled by one team that knows your file.

First Home Buyer H&L

House and land for first home buyers. We layer FHB Guarantee, FHOG (new builds qualify), and stamp duty concessions where applicable.

Investor H&L

House and land as investment. Depreciation benefits are highest on new builds — we structure the loan to support the tax position.

Custom House & Land

Buy land and commission a custom build (not a project home). More complex finance — we manage it.

Project Home Packages

Pre-designed project homes on selected land. Builder usually has lender panels we work alongside.

Land-Only First

Buy the land now (e.g. while prices are right), build later. We structure interim finance and plan for the build.

Owner-Occupier Move-In

Living in your current home while building. We structure so you can hold both temporarily without overstretching cash flow.

Why Wood & Weiss

A different kind of house & land brokerage.

Real broker access. Real strategy. Real outcomes.

Three-piece coordination

Land settlement, builder contract and construction loan must align. We sequence them so timing risks don't blow up the deal.

Government scheme stacking

FHB Guarantee + FHOG ($10K) + stamp duty concession can save tens of thousands. We map the right combination.

Builder relationships

We work with most established Victorian builders and project home companies — and we know which lenders prefer which builders.

Long-term thinking

House and land is a 5-30 year hold for most buyers. We structure the loan for the long term, including refinance options post-completion.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

01

Concept and feasibility

Land target, build target, total budget. We model the full project cost including land, build, contingency, government fees.

02

Pre-approval

Pre-approval for the combined land and construction loan, so you can sign contracts confidently.

03

Land settlement

Land settles first. Construction loan portion held until building approvals and contract signing.

04

Construction and final settlement

Stage payments through the build. Final settlement on completion — you move in or hand over to tenants.

FAQ

House & Land Packages — common questions

Is house and land cheaper than buying an established home?
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Often, yes — new builds typically come with lower stamp duty (concessions for new builds in Victoria), FHOG eligibility for first home buyers, and full depreciation benefits for investors. But location, build quality and total project costs vary widely. We model the comparison.
How is the finance structured?
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Typically one loan covering both land and build, settled in stages: land settlement first, then construction draws as the build progresses. Some lenders use two separate loans that get consolidated at completion.
How long does the whole project take?
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Land settlement: 30-90 days from contract. Build: typically 9-15 months for project homes, 12-24 months for customs. Total project: 12-30 months from contracts to keys.
What deposit do I need?
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Typically 5-20% of the total project value. First Home Guarantee can reduce this to 5% for eligible buyers. Investor deposits typically 10-20%.
Can I get an investment property as a house & land package?
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Yes — and the depreciation benefits are highest on new builds. We structure interest-only during construction, then often interest-only on the completed loan to maximise tax position. Your accountant has the final say.
What if the build runs over?
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Cost overruns are paid by you, not the lender. We build contingency (5-10%) into the original loan. Time overruns can affect lender deadlines — we plan for realistic timelines and have a contingency conversation up front.
Jeff Moishe
Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
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