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You may also have to deal with ‘heritage listed’ or ‘special interest’ properties that you may not be permitted to knock down. In more established areas, finding the ideal empty block of land can be tough. You may have more luck in rural areas, but it is still challenging. Get a clear idea of what people in the area want by doing your research. Or talk to real estate professionals and get their insight on what buyers or renters are looking for. CommBank acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture.

From 13 February 2025, changes to eligibility criteria for the first home owner grant have come into effect. Your credit score is a number based on your credit report, which includes records on money you’ve borrowed, loans you’ve applied for, and whether you pay them back on time. The Family Home Guarantee helps single parents get into (or back into) the property market.

The home loan will also need to be approved by the lender, based on their own lending criteria. They will assess your eligibility and submit an application to Housing Australia to reserve a Guarantee place for you which will be held for 14 days to give you time to complete your application and apply for a home loan. Use the Eligibility Tool for a quick check of the main eligibility criteria to help you work out which Guarantee you might be eligible for. Use the Postcode Search Tool to check the price cap for the location you want to buy in. The tool is only a guide - confirm the price cap with your Participating Lender for any property you are considering buying.

We may ask you to verify that you have met these requirements later, by providing us with documents that support the period of occupancy for all applicants. You can be eligible for the grant provided you have not owned property in Australia before. If you’re a member of the Australian Defence Force, you may be exempt from the six or twelve month residence requirement, providing all buyers are on the New South Wales electoral roll. This means the first sale of a property will not be a new home if the person who built it lived in it, leased it out or used it for short-term accommodation. Your first new home can be a house, townhouse, apartment, unit or similar that is newly built, purchased off the plan or substantially renovated. This means, each applicant, must live in the home full-time, with their personal belongings.

Thanks Mike for helping change our lives. Still, we regularly assist clients who want to maximise the potential of an existing block by subdividing and building one or more new homes on site. At Better Way 2 Build, our development services also extend to small- to medium-sized subdivisions, particularly where a build component is involved.

To retain the Guarantee on your home loan, you must meet ongoing requirements, such as living in the property as an owner-occupier. If you are purchasing a movable building (such as a modular home) to be used as a residence, you will be considered an owner-builder. The completion date is the date the building is ready for occupation as a place of residence.

Avoiding the pitfalls from the very beginning is what you should always be aiming for when building your luxury new home. A building broker can help you do this so your build process can always be as stress free and enjoyable as possible. In a perfect world, you should meet with a building broker BEFORE you speak to a Custom Builder or Designer or an Architect, or purchase a block of land (especially for property development projects).

Our top tips:Don't buy a home primarily as an investment. You can't rely on home values always rising. ...Know what you can afford. ...Check your credit score. ...Understand the other costs involved. ...Save for a downpayment. ...Know what documents you need for your loan. ...Get pre-approved for a mortgage.

We sure do, see our building inspections part of this website. Incredibly helpful, breaking down the steps to build my first home. The reason we get you the best deals is because of the experience we have.

Analysis by Money found first-home buyers in Queensland can currently access the most generous combination of incentives. Yes, eligible first-home buyers in SA may get a stamp duty exemption for properties valued under $650,000 and vacant land under $400,000. Concessional rates then apply for properties valued up to $700,000 (or Government home grants WA $450,000 for vacant land). There’s plenty of government support available to first-home buyers in Australia, such as low deposit schemes, cash grants and shared equity programs, to name a few.

The total value of your transaction must not exceed the capped amount for you to be eligible for the FHOG or first home owner rate of duty. Before signing a contract for your first home, you generally need to apply for and receive a FHSS determination from the Australian Taxation Office (ATO). After signing the contract, you then apply for release with your super fund. Below, we provide a comprehensive list of federal government initiatives and state-based support for first-home buyers.