Home loans
Finance for a Quarry Hills purchase, explained simply.
Buying in Wollert usually means land settlement first, then progress payments during construction. We connect you with a broker who does this every day.
How a house and land loan works
1. Borrowing power
Understand what you can borrow and what deposit you realistically need before you inspect.
2. Pre-approval
Go to market with conditional approval so you can secure a lot or a package with confidence.
3. Land settlement
Land settles first on most titled and untitled releases; your loan is structured around that date.
4. Construction draws
Build costs are paid in progress payments to the builder at each stage of construction.
5. Handover
Loan converts to principal and interest repayments once the build is complete and handed over.
What we can help with
- First home buyer grants and stamp duty concessions
- House and land versus established purchase comparisons
- Investment lending structure and offset accounts
- Refinance and equity release for an upgrade
- Self employed and complex income scenarios
HALP is not a licensed credit provider and does not provide credit assistance. Enquiries are referred to a licensed mortgage broker or lender. Information on this page is general only and does not consider your objectives, financial situation or needs.
Home loan enquiry
Tell us where you are up to and we will arrange a call back.