House and land package Perth
A land and construction loan settles your block first, then funds the build in stages. Quantum Finance sets both halves up together, so the land loan and the building contract do not work against each other.
- Two contracts or one turnkey contract, and the finance differs.
- The land settles first, then the build draws down in stages.
- On two contracts, duty is generally assessed on the land value.
- We set the land loan and the construction facility up together.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our house and land finance service does
The work we do on a house and land loan, from lot to handoverA house and land loan is two pieces of finance working together: a loan that settles the block and a construction facility that funds the build in stages. The work is making those two pieces line up with two separate contracts and two separate settlement dates.
Two contracts is the common structure in Perth's growth corridors, and the land settles well before the house is finished.
Every facility is subject to lender approval and your circumstances, and we say where a project sits before anything is submitted.
We tell you what each package structure costs to fund
Two contracts and one turnkey contract are different products with different duty treatment and different repayment timing. Most buyers are shown one of them and never told the other exists. We put both against your numbers before you commit to a lot.
We check the land contract and the building contract together
The two halves are usually signed weeks apart, and the finance has to survive both. We read the finance clause in each, tell you how long it needs to be, and confirm the project against lender policy before either one is signed.
We plan for the gap between land settlement and slab down
On two contracts you settle the land and start repaying that loan while nothing is being built yet. If you are renting at the same time, both costs run together for that period. We work out what that overlap looks like for you at the start.
We hold the file together while titles issue
Untitled land settles when the title is registered, and that date is not in your control. A long wait means your income and the valuation get reassessed before settlement. We keep the file current rather than letting an approval quietly lapse.
We check what the package price actually includes
Package pricing rarely covers everything you will need. Landscaping, driveways, fencing, retaining and window treatments are common exclusions, and site works on a sloping or narrow lot can add cost the brochure does not mention. We flag those before they turn up at the end.
We manage each drawdown once the build starts
Your builder issues a progress claim, the lender usually sends a valuer to confirm the stage is complete, you sign an authority, and the builder is paid. That cycle repeats at every stage. We keep it moving so the site does not stop waiting on paperwork.
Work out the numbers on a package
Duty on the lot, then the repayment on the finished loanOn a two contract package the transfer duty is generally assessed on the land, and it falls due at land settlement rather than at the end of the build. The other number worth having early is what the loan repays at once the final drawdown is made.
Work out your WA stamp duty
The dutiable value. Usually the contract price, or the market value if that is higher.
Foreign buyers pay an extra 7% of the dutiable value on residential property in WA.
Rates as at 10 August 2026, source: RevenueWA.
Estimated duty payable
$24,890
- Scale applied
- General rate
- Transfer duty
- $24,890
- Duty at the general rate
- $24,890
This is an estimate of transfer duty only, on the 10 August 2026 RevenueWA scale. It does not include Landgate transfer or mortgage registration fees, settlement agent fees, or the off-the-plan concession. RevenueWA assesses the final figure.
Talk through your purchase costsWork out your repayments
What you need to borrow, not the purchase price.
An example figure. Put your own rate in — we do not quote rates here.
Estimated monthly repayment
$3,597.30
- Total interest over the term
- $695,029
- Total repaid
- $1,295,029
- Repayment if the rate rose to 8.00%Roughly the buffer a lender applies when it assesses you.
- $4,402.59
This is an estimate. It assumes the rate stays where you put it for the whole term and it does not include fees, lenders mortgage insurance, offset balances or extra repayments. Your real repayment depends on the lender and on approval.
Book a 15-min chatEach tool has a page of its own explaining every figure it uses: stamp duty calculator wa and home loan repayment calculator.
How a house and land package is funded
Five package structures, and what the finance does on eachHouse and land comes in two shapes, and the shape changes both your finance and what you pay in transfer duty. Whether the lot is titled changes the timing on top of that.
- Two contracts, land then build
How it is funded
The land settles first, then a construction facility funds the build
Worth knowing
Duty is generally assessed on the land value rather than the finished house
- One contract, turnkey
How it is funded
Funded like a standard purchase, settling once on completion
Worth knowing
Simpler to run, though duty is usually assessed on the whole package
- Titled land
How it is funded
Settles like any land purchase once finance is approved
Worth knowing
The build can start once the contract, plans and permits are in place
- Untitled land
How it is funded
Settlement waits until the title is registered
Worth knowing
A long wait means your income and the valuation are reassessed before settlement
- Land you already own
How it is funded
Equity in the block can contribute towards the deposit on the build
Worth knowing
A current valuation is needed, and land values move
Do not worry about working out which structure you have been offered. Send us the contract or the brochure and we will tell you what it is, what it costs to fund, and what it leaves out.
Who a house and land loan suits
The package buyers we arrange finance forEvery buyer below is funding a lot and a build that are priced together but settled apart. These are the situations that arrive most often.
Buyers comparing house and land packages in Perth's growth corridors
First home buyers whose budget goes further on a package than on an established house
Buyers who have signed for a lot and now need the build funded
Anyone buying untitled land who needs to know how the finance holds until titles issue
Investors taking a package to rent out rather than to live in
How the process runs on a package
Five steps to approval, then land settlement and the drawdownsThe application runs the same five steps as any loan we write. On a package there are then two events rather than one: the land settles, and the build draws down stage by stage until practical completion.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The brokers who fund your packageIndependent means no franchise above us and no lender owning a share of the business. We are also not attached to a builder or a land developer, so nobody upstairs benefits from you choosing one lot over another. Your bank sells one construction product; we compare 40+.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for a house and land package
The builder's broker is not the only broker you can useEvery point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled loans for, pulled straight from the platform they were written on.
Our construction lender panel
Package policy differs by lender, so we compare 40+Major banks, second-tier banks, and non-bank lenders who will look at a build the majors will not. MoneyQuest gives us access to the panel. 21+ years of writing loans on it tells us which lender to use.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our construction finance guides
Read one before you sign for a lotHow a construction loan is assessed and drawn down, in plain English. Each one carries a broker's name.
Approvals
Home loan pre-approval, explained
What a lender is actually committing to, and what can still undo it.
Read it: Home loan pre-approval, explained
Choosing a broker
What a mortgage broker does
What the job actually involves, who pays for it, and when your own bank is the better call.
Read it: What a mortgage broker does
Building
How construction loans work
Progress payments, a valuation of something not yet built, and the traps in between.
Read it: How construction loans work
Development
Funding a property development
How funders read a project, and why the exit is decided before the first drawdown.
Read it: Funding a property development
Meet our Perth construction finance brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who sets your package up is the person who handles land settlement and the person who chases every drawdown after it.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about house and land package loans
How does finance work on a house and land package?
It depends on whether you have one contract or two. Under two contracts a loan settles the land first, then a construction facility funds the build in stages. Under a single turnkey contract you settle once at completion, and it is funded much like a standard purchase.
Do I pay stamp duty on the house as well as the land?
On a two contract package, transfer duty is generally assessed on the land value rather than the finished house. On a single turnkey contract it is usually assessed on the whole package. Confirm your own position with your settlement agent, because the contract wording decides it.
When do repayments start on a house and land package?
Repayments on the land loan start once the land settles, which is usually well before the house is finished. Repayments then climb with each construction drawdown, because interest is charged on the drawn balance. Many buyers are renting through that period, so plan for both costs.
What happens if my land is not titled yet?
Settlement waits until the title is registered, and that date is set by the developer and the authorities rather than by you. A long wait means the lender reassesses your income and the valuation before settlement. We keep the file current so an approval does not quietly lapse.
Can I use one lender for the land and another for the build?
Usually the same lender holds both, because the construction facility is secured against the land it is funding. Splitting them is possible in limited cases and adds cost and complication. We check policy before you sign anything, rather than after the land contract is already binding.
Is a turnkey contract better than two contracts?
Neither is better in every case. Turnkey is simpler and you settle once, though duty is usually assessed on the whole package. Two contracts spreads the settlement and generally attracts duty on the land only, at the cost of paying a land loan while you wait.
What is usually left out of a package price?
The lender values the property from the building contract, so anything outside it is generally not funded. Landscaping, driveways, fencing, retaining and window treatments are the common exclusions. Site works on a sloping or narrow lot can also sit outside the advertised price.
Do I have to use the builder's recommended broker?
No. A builder or land sales office can recommend a broker, and you are free to use anyone you choose. We are not owned by a lender, a franchise or a builder, so the recommendation you get from us is not shaped by who referred you.
Related finance we arrange
The other loans a package buyer usually needsMost files touch more than one of these. If yours does, it is the same broker and the same conversation.
Home Construction Loans
Building a new home in Perth, funded stage by stage as the house goes up.
Learn moreabout Home Construction Loans
Investment Construction Loans
Building a rental, a duplex or a second dwelling, funded progressively and assessed as an investment.
Learn moreabout Investment Construction LoansConstruction Finance
New builds, knock-down-rebuilds and owner-builder projects, funded progressively as the build goes up.
Learn moreabout Construction Finance
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Send us the package before you sign for itFour questions and you are done. A broker reads the contract, tells you how it is funded and what it leaves out, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113