Grants, contracts, borrowing capacity, land releases and the things nobody tells you before you sign. Written by people who do this every day, for people doing it for the first time.
A display home consultant can only recommend one builder. Here are the people who can compare several, who pays each of them, and the questions to ask before you trust a recommendation.
Two Perth quotes for the same plan can differ because of the block, not the house. Here is how to line them up so the comparison is fair, and what each quote usually leaves out.
Eleven of our home designs fit a Perth block narrower than 10m, and nineteen are drawn for 12.5m. Sorted by frontage, with what to check before you buy the land.
Builders quote you the house. The demolition, the asbestos, three utility disconnections and the council permit are where the budget actually goes.
A knockdown rebuild is two projects sharing a block. Most pages give you one demolition number and stop. This one sets out both halves.
Who qualifies for the $10,000 grant, where the property caps sit, and how it stacks with the transfer duty concession.
A lower deposit and no LMI, against a higher rate, income caps and a planned exit. The trade set out plainly, by someone who is not the lender.
How shared ownership actually works in WA, what the government share costs you when you sell, and what it takes to buy it back.
Why the rate sits above the banks, when it moves after an RBA decision, and how to stress test your repayment before you sign anything.
Usually yes. How the construction loan works, why land and build count as one number, and the traps in the order things happen.
Five checks decide it: income, deposit, price cap, residency and what you already own. None are as mysterious as they sound.
Up to $2,000 back on the incidental costs of buying. What HBAA covers, who can claim it, and the conditions that catch people out.
Reading only gets you so far. A free consultation costs nothing and there is no obligation at the end of it.