First home buyers · Victoria
Short answer
Buying a first home as a house-and-land package means lining up finance, land, a home design and a building contract.
Start with your borrowing position — talk to a lender or mortgage broker — then set location, land size, home features and a realistic total budget. Compare the package’s upfront price, turnkey inclusions, site costs, variations, titles and settlement timing.
Victorian and Australian first-home schemes can change. Eligibility depends on your circumstances, the property and your lender. Check current rules with the Victorian Government and your lender. A builder-broker such as TKBG can help you compare options and the right questions. Get legal and finance advice before you commit.
Questions
Check your borrowing position and likely upfront costs with a lender or mortgage broker before you choose land or a house design.
It usually combines a land purchase with a proposed home build. Contracts, inclusions, site costs and settlement arrangements vary — read both parts carefully.
Victorian concessions or grants, and Australian Government guarantee schemes, may be relevant. Rules and eligibility change — verify current details with the Victorian Government and your lender.
Ask for full inclusions and exclusions: site costs, driveway and landscaping allowances, connections, upgrades, taxes or fees, and the assumptions behind the price.
Often yes, within the package and builder’s range. Ask which changes are included and how variations are priced.
Before signing land, building or finance documents. An independent conveyancer or solicitor can explain obligations, conditions, cooling-off rights and risks.
Next step
A free builder-broker can help you compare packages and the questions that matter.
Start at offer.tkbg.com.au →Questions? Email info@tkbg.com.au