Build your first home in Perth
Building your first home in Perth is exciting, but we know just how overwhelming it can be too.
Free to you · No builder affiliation · Perth-based
First home buyer in Perth? Don’t go it alone.
From choosing the right builder and securing finances to comparing house and land packages, first home buyers face many challenges. We’ll help you understand your budget, access grants like the First Home Owner Grant (FHOG) and compare financing options so you don’t overpay.
As independent, builder-neutral consultants, we can guide you through every step: land, finance, floorplans, contracts and construction, with no hidden costs or charge to you.
Why use an independent building advisory as a first home buyer in WA?
We protect you from common traps
- Poor floorplans with no resale value
- Missing key inclusions you thought were standard
- Overpaying on house and land packages
- Builder contracts with hidden clauses
While helping you build smarter
- Full turnkey packages
- Access to exclusive land across Perth and surrounds
- First Home Owner Grant (FHOG) guidance and finance options
- Free plan reviews and builder comparisons
- No extra costs. We’re paid by the builder, not you
“Most clients don’t know what they don’t know, until after they’ve signed.”
Every builder in Australia operates the same way. They have a product. They have a pipeline. They have a team trained to convert enquiries into contracts.
That is not a criticism. It is simply how the industry works.
The problem is that clients enter this environment without independent guidance. They are making one of the largest financial decisions of their life, often for the first time, inside a sales environment designed to close deals.
We protect your best interest at every stage of the building journey.
What would your first home actually cost to settle?
Estimate your borrowing capacity, your repayments, and the WA transfer duty you would pay after the first home owner rate and the First Home Owner Grant. Nothing is sent anywhere until you choose to send it.
- 1 Borrowing
- 2 Repayments
- 3 Stamp Duty
- ✓ Your report
How much could you borrow?
We start here because your borrowing capacity sets your build budget.
9% APRA-aligned serviceability buffer over a 30-year term, 80% surplus ratio — the same approach your lender will apply.
What will you actually repay?
We've pre-filled the loan amount with your borrowing capacity from step 1. Adjust the rate, term, and frequency to model different lenders.
And the stamp duty hit?
WA transfer duty plus any concession or grant you qualify for — the cash you'll need at settlement on top of your deposit.
Your build, in three numbers
$0
your full report is unlocked
A copy is on its way to your inbox. The full breakdown is right above.
Before you rely on a number
An estimate, not advice. Duty thresholds and grant caps change: confirm your own position with RevenueWA or your conveyancer before you rely on it.
The smart first home buyer process, Perth-based
Discover your real budget & land options
We start with a free finance check and grant eligibility review, including FHOG and other government incentives. Then we match you with land in estates across Perth’s growth corridors, including lots not listed online.
Compare builder designs & lock in inclusions
We guide you through suitable builders and designs, clearly outlining pricing and inclusions. From plan reviews to turnkey options, you’ll understand exactly what’s included, from finishes to fixtures.
Approve, sign & build with confidence
Once you’re ready, we support you through contract signing and pre-construction. During your build, our team is available to answer any questions and keep you informed from planning to handover.
Six things a builder’s sales office cannot give you
- Clarity. We explain what others avoid explaining. You understand every step before you take it.
- Strategy. We match the builder to the project, not the other way around.
- Independent advice. No conflict of interest, no pipeline to fill. We work for you.
- Better builder selection. The right builder for your project, matched objectively on capability and suitability.
- Less risk. Accurate pricing and clear expectations established before contracts are signed.
- Better outcomes. A smoother journey resulting in a home that truly meets your needs.
Trusted by Perth first home buyers
“They made the whole process so much easier and helped us avoid costly mistakes.”
“We had no idea where to start – they guided us through everything step by step.”
Where first home buyers are building
Most of the affordable stock is in Perth’s growth corridors. These pages cover what building in each suburb is actually like, including how long the wait usually is.
Alkimos, Baldivis, Brabham, Bullsbrook, Eglinton, Southern River and Yanchep. If your suburb is not listed, tell us where you are looking and we will tell you what is available there.
Frequently asked questions: first home buyers Perth
How does loan pre-approval work?
Loan pre-approval gives you a clear understanding of how much you can borrow before you start looking at your options. A specialist reviews your finances, confirms your borrowing capacity and guides you through any first home buyer loans or construction finance eligibility. Pre-approval offers peace of mind, knowing your budget is realistic from the get-go.
Am I eligible for government grants?
Many first home buyers in WA can access grants such as the First Home Guarantee Scheme and other state or federal concessions. Eligibility depends on factors like your property type, whether it’s a new build and your personal circumstances. We can guide you through the process and make sure you’re aware of all grants and incentives available to you.
How long does it take to build a house in Perth?
Build times vary depending on the builder, your chosen design and whether your land is ready to go. All up, timelines are usually in the 12 to 24 month range. This includes designing, planning, securing finance and obtaining council approval, which typically take 6 to 8 months on average.
What areas of WA does House & Land Co service?
We provide services across all of Western Australia, from metropolitan Perth to regional and rural locations. No matter where you’re planning to build, we can connect you with suitable properties, builders and advice throughout your first home journey.
Start your first home building journey
Book a free First Home Plan Review for independent guidance at no cost to you, competitive pricing, and the confidence that every step of your build is simple and stress-free. No plan yet? Book a no-obligation consultation to explore your ideas and see what’s possible before committing to anything.