From a plot to a plan
A home to build. A project to consider. A longer-term ambition. Bring the land, your purpose and the financing questions into the same conversation.
A different financing conversation
Buying land on its own and financing a construction project can involve different products and requirements. A standard home mortgage should not be assumed to cover either.
Start by checking whether a lender considers your circumstances, the specific plot and its intended use. We help you organise those questions before you move further.
Discuss your circumstancesYour starting point
Choose your situation to organise the first conversation. This guide does not assess eligibility or confirm a financing product.
Your adviser can explain which lender questions fit your circumstances. Availability depends on the applicant, land and proposed use.
Clarify whether the lender considers land acquisition separately, or only as part of a construction proposal.
Read the land, not just the price
Bring the details of the site into the financing conversation. Confirm the relevant information with the lender, seller and appropriate professionals.
Explore land & plotsAsk for the title information and site plan, including any existing mortgage or restrictions to review.
Confirm the permitted use and relevant conditions before treating a building or development idea as feasible.
Discuss access, utilities, boundaries and any further technical checks your plan needs.
Ask about its valuation process and how the assessed value may affect the funding proposal.
Understand the required documents, approvals and any project milestones in the lender’s terms.
Make room for the whole plan
Separate the acquisition conversation from the cost of putting your plan into place.
Construction finance is a separate assessment where applicable. The lender confirms the eligible scope, documents, costs and release conditions for the proposed facility.
A considered order
Bring your purpose, plot details and circumstances together.
Discuss whether an appropriate lender product is available for the proposal.
Gather the requested applicant, land and project information.
Understand the written terms, conditions and your contribution before proceeding.
Questions at the start
Do not assume it can. Land acquisition, construction and ready-home mortgages can have different criteria. Confirm whether the lender considers your specific plot and intended use.
Yes. Explain the ownership position and what you want to fund. The lender will assess whether a suitable facility is available and may request title, site and project information.
No universal eligibility should be assumed. Lenders and products can have different nationality, residency, income, ownership and project requirements. Approval depends on the lender’s assessment.
No. Some construction products consider land and building costs together, but that does not mean every land purchase qualifies. Ask the lender which scope it can consider for your proposal.
Start with the plot’s title or available ownership information, the site plan and details of your circumstances. If building is planned, designs, approvals, estimates and contractor information may also be requested. The lender confirms the exact list.
It should not be assumed. The intended use can change the product and assessment. Discuss a commercial or investment proposal separately before relying on a residential financing option.
Before the first commitment
Tell us about the land and what you have in mind. We’ll help you organise the questions for your next conversation.
