Buying land to build your dream home or a dual occupancy property (like a granny flat, dual occupancy or duplex) can be an exciting journey — but there’s a lot to consider before you sign the dotted line. From understanding local council rules to checking land restrictions and financing options, here’s a step-by-step breakdown to help you make the right move.
Keep an eye on land developers (e.g. Stockland, Mirvac, AVID, Lendlease, etc.)
Check real estate websites like Realestate.com.au, Domain.com.au
Visit council planning portals or subscribe to developer newsletters
Ask local real estate agents about upcoming or off-market land releases
Search “land release [your suburb or LGA name]” on Google or Facebook groups
Visit the developer’s website and register your interest with your name and email
Some releases require pre-approval or proof of finance
You may be asked to attend a release day (often first-come, first-served or ballot system)
Work with a mortgage broker early to ensure you’re finance-ready
Before committing to a block, check:
Flood Zone: Use the council flood map to check flood-prone zones (can increase insurance costs)
Easements: Boundaries where utilities run — can restrict construction
Electric/Powerlines: High-voltage lines near your block may require setbacks or limit building options
Bushfire Zone (BAL Rating): May increase build costs (especially in NSW)
Covenants: Legal restrictions on what you can build (e.g. façade, roof color, resale restrictions)
Minimum Frontage Requirements: E.g. for 15x20m block, council may require 3–4m front setback and side access
Sloping Block Costs: Extra engineering, drainage, or retaining wall expenses
Block Orientation: North-facing rear is ideal for natural light and energy efficiency
Check zoning (e.g. R2, R3, RU4 etc.) with your local council
Confirm dual occupancy rules — some councils don’t allow it without DA approval
Ensure block is large enough (minimum frontage and sqm vary by council)
Confirm driveway access, privacy setbacks, and separate entry requirements
Are there design guidelines for façade, colours, materials, or landscaping?
Is there a time limit to start construction after settlement? (Some require build to start within 6–12 months)
Are there resale restrictions before construction?
What is included in the registration date? (Some land is sold “off the plan” months in advance)
They will check for:
Caveats or restrictions
Zoning certificates
Easement and title issues
Contract of sale conditions
Ask your broker or real estate agent for a trusted conveyancer experienced in vacant land purchases
Choose a builder registered in your state
Select a home design that suits the block size, orientation, and developer guidelines
Ask for a turnkey package if you want everything ready to move in (driveway, fencing, etc.)
Check if the builder offers fixed price contracts — better for construction loans
You can get a land loan first, then add a construction loan after builder contracts are ready
A mortgage broker like Anitha Varghese at Kanova Loans can:
Help you secure land loan pre-approval early
Assist with combined land & construction loan
Guide you through progress payments (slab, frame, lock-up, etc.)
Help you qualify for First Home Owner Grant and stamp duty concessions
Site classification (M, P, H, etc.) – affects foundation and slab cost
Soil test & contour survey (usually done before contract with builder)
NBN or internet service availability
Fencing responsibilities and retaining wall boundaries
Registration timeline (unregistered land can delay building)
✔️ Before registering interest for land
✔️ Before placing a deposit
✔️ When preparing to submit finance for both land + construction
✔️ When you’re unsure about grants, loan structure, or construction process
Exploring land releases is the first step to building your dream home. To explore upcoming residential land releases in NSW, visit the Landcom Projects page for current availability and planning updates. For land and house-and-land packages across Australia, check Stockland Land Releases to view estates by location, price, and availability.
Kanova Loans is here to help you finance your dream build — whether it’s a first home, a dual occupancy investment, or a family upgrade. We’ll help you understand your options, get finance-ready, and choose a structure that works best for you.
Book a free chat with Anitha Varghese today to plan your land and build strategy »
Disclaimer: This guide is for general information only and does not constitute financial or legal advice. Always check with your local council, licensed broker, and conveyancer before making decisions.
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Kanova Loans helps Australians access home, car, and commercial finance through expert guidance and top lender comparisons — led by trusted senior mortgage broker Anitha Varghese.
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