Your Guide to Buying a House & Land Package at Harlow

Your Guide to Buying a House & Land Package at Harlow

Buying your first home is an exciting milestone, and a house & land package is one of the most achievable ways to get there. This guide walks you through exactly what that looks like – the terms, the process, the government support – and why Harlow’s established community in Melbourne’s western growth corridor is the perfect pathway to first home ownership.   

What’s a house & land package? 

Simply put, a house & land package includes the land and build in one fixed price package. The builder will identify a suitable block of land and home design, and from there you pay a deposit for both the land and build contract – typically 5% for the land and 5% for the build.  

A few terms you’ll run into along the way  

  • Titled land means ownership is officially registered, so the building works can begin straight away.  
  • Site costs cover levelling your block before building starts. Some builders fix this price upfront; others adjust it once soil tests are done. It’s worth asking which applies to your contract. 
  • Construction loan releases your funds in stages as your build reaches each milestone, rather than all at once like a standard home loan. 
  • Standard inclusions are what’s built into your price – things like benchtops, ceiling heights and flooring, and this can vary between builders. 
  • Whole of Home (WOH) are the new energy standards all Victorian homes must meet. This means better insulation, smarter design and lower energy bills built-in from the start. 

Real savings right where it’s needed most  

Good news for first home buyers! There’s a range of government support available that can help you move into your new home sooner, and with confidence.  

  • Stamp duty exemptions: pay no stamp duty at all under $600,000 and with a reduced rate up to $750,000 for the total package price.  
  • First Home Owner Grant: a $10,000 grant for eligible buyers in Victoria building a new home, up to a $750,000 build price. 
  • 5% Deposit Scheme: buy with just a 5% deposit, or as little as 2% for single parents and legal guardians, and benefit from no income caps, no waitlists. 
  • First Home Super Saver Scheme: grow your deposit faster through voluntary super contributions. You can add $15,000 per year, with $50,000 the total amount you can withdraw. 

Everyone’s situation is different, so it’s worth having a chat with your broker or the dedicated team at Harlow to see what’s right for you. 

Why Harlow feels like home 

Harlow is built around life, all in one place. Whether it’s 100 hectares of parks and wetlands on your doorstep, the best schools like Westbourne Grammar or Tarneit P-9 College a short drive away, or Tarneit Central and Tarneit Gardens close by for everyday shopping, Harlow is designed around the way you actually want to live. 

Getting around couldn’t be easier. Tarneit Station is roughly 2km down the road, with a V-Line service straight into Melbourne’s CBD in under 30 minutes. With future schools and a town centre coming soon, and construction underway right now across Stages 6 and 7, there’s no better time to join a community that’s established and growing fast.   

Start your journey towards homeownership 

Buying your first home is one of life’s most exciting moments. But if you’re not sure how to get started or what questions to ask, you’re not alone. With the support of the RPM team alongside you, we’ve guided many first home buyers throughout the process and are here to help every step of the way.  

Ready to get started? Contact the team today and let’s find a home that’s right for you.  

Back To News
Register