House & Land Packages

A house and land package pairs a block of land in a growth area with a brand-new home built to a fixed-price contract. Because the home is newly built, it captures the full depreciation and negative-gearing benefits that, under the 2026 Budget rules, now apply to new builds only — making it one of the most tax-effective ways to get started in property.

With a house and land package you generally buy the land first and sign a separate fixed-price contract to build the home. You only pay stamp duty on the land value (not the completed house), which can meaningfully reduce your upfront costs compared with buying an established property of the same end value.

A new build lets everyday investors keep the tax benefits the 2026 Budget took away from established property — which is exactly why timing and structure matter more than ever.

The trade-off is time and location: you'll wait for the home to be built, and packages are usually in outer-growth areas rather than the inner city. The right choice comes down to your goals, your borrowing capacity and your timeframe — which is what we work through with you in a strategy session, so the property fits the plan rather than the other way around.

General information only — not tax, financial or investment advice. Depreciation and negative-gearing outcomes depend on your circumstances and the legislation as passed; confirm your position with a registered tax adviser.