Question 1

I AM OVERWHELMED BY ALL THE INFORMATION ON FINANCE, GRANTS, LAND AND BUILDING COSTS! IS THERE AN EASY WAY?"

Accepted Answer

Yes, there is! Just contact us and we can talk to you about your exact circumstances. We have experience in sourcing house and land packages. We have strong relationships with mortgage brokers, land agents and builders so we can do the hard work for you. 
Don't spend hours online researching each step. We chat to you about your goals and your circumstances so we can quickly determine what you qualify for. Then we explain your options to you taking into account how much you can spend, where you want to build and what design you want. We then manage the entire process keeping you up to date on what you need to know and avoid any hidden surprises. 
Our service is at no cost to you and there is no obligation to proceed with any options we present. But we will work with you until we can find a solution for you. 
Our mission is to manage the process so you can plan the housewarming!
Use our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/eligibility-calculator)or BOOK A FREE INFO CALL (https://www.completehomebrokers.com/learn-more)to get started with our Free Advice!

Question 2

WHY DOESN’T YOUR WEBSITE SHOW MANY HOUSE & LAND PACKAGES?

Accepted Answer

Because we are not a builder or land developer. Complete Home Brokers is an independent business that works for you. We are here to help you buy. We often show a selection of properties on our website that are currently offered by our network of builders and land agents but we can work with you to source exactly what you are looking for.
We help you work with our affiliate mortgage brokers to establish how much you can spend and how we can get you into a home quicker. We then reach out to land developers and builders to get the best packages to present to you. As we are here to represent you we are able to find what you need. When you work directly with one builder they can only show you what they can offer. We draw on our industry experience and network to work on finding you the best house and land package for you from a range of suppliers. If you aren’t happy with something we present we can look at a new estate or new builder until we find exactly what you’re looking for.
We are able to advise you on the whole process, answer any questions and keep you a step ahead so you can avoid any unwanted surprises on your journey of building a new home. We are with you from our first conversation until you get the keys!
Get started on the journey with our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/eligibility-calculator)now!

Question 3

HOW DO I KNOW IF I CAN AFFORD TO BUILD A NEW HOME?

Accepted Answer

There is a lot of advertising for "no deposit" or "low deposit" home loans and endless quick online calculators available to advise your borrowing capacity. However, there are many factors that are taken into consideration and many different banks and lending institutions that have different criteria for qualifying for a loan. It can be confusing which is why advice from a good mortgage broker is the best place to start. Even if a bank has said no or you have some bad credit history, a mortgage broker can look objectively at your circumstances and offer you advice. We specialise in finding solutions!
By chatting to us we can gauge your circumstances and connect you with our affiliate mortgage brokers who can advise you exactly what you can borrow given your current circumstances. If you don’t qualify now, we can work with you towards reaching your goals in the near future. We won’t just tell you no and leave you with no plan or direction!
Start the process today by completing our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/eligibility-calculator)for your free advice!

Question 4

HOW MUCH DO I NEED SAVED FOR A DEPOSIT?

Accepted Answer

Our affiliate mortgage brokers can advise you on this but it isnt always as much as you think. There are finance products on the market and government assistance that can support with low and no deposit loans based on a set of criteria. It is always worth getting in touch with us so one of our mortgage advisors can advise you on how much you need.
Even if you don’t think you have enough in savings yet they can give you advise on if there is a finance product available to you. There are options such as government incentives, guarantors, savings plans and low deposit loans that can be explored.
The commonly discussed 20% deposit isn't always required, especially when choosing to build compared to buying established. And if you are a first home buyer there are even more options and savings available. There are options with as little as 2% deposit. And other factors such as a good rental history through a licensed real estate agent can be used to reduce the required deposit with some banks and financial instituions.
The sooner you get in touch, the sooner we can show you your options!
Use our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/calculate-your-eligibility)to get started with our Free Advice!

Question 5

DO I QUALIFY FOR ANY GOVERNMENT GRANTS?

Accepted Answer

There are currently state government first home buyer grants available in Victoria. These cover stamp duty savings and assistance with deposits and savings on lenders mortgage insurance. The grants can be complicated to understand and apply for so using a mortgage broker is the best option.
Our affiliate mortgage brokers are aware of all the current grants and what is required to qualify for them. They will advise what you qualify for and take this into account in advising how much you can borrow. They take the stress out of it as they understand all of the requirements thoroughly and can help explain everything to you.
Use our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/eligibility-calculator)to get started with our Free Advice!

Question 6

ARE THERE ANY ADVANTAGES TO BUILDING OVER BUYING AN ESTABLISHED HOME?

Accepted Answer

When you build a new home, the build cost does not incur stamp duty in most circumstances. Stamp duty is only payable on the land. If you are an eligible First Home Buyer, there are also stamp duty exemptions available on the land.  Our affiliate mortgage brokers can advise you on this. When buying an established home, stamp duty is payable on the full cost of the property. So the purchasing costs on established homes are higher than a house and land package.
The established home market is also currently experiencing strong capital growth. Particularly in suburban areas with land and lifestyle benefits. This means property prices are increasing due to the high demand for each property. Building a new home enables you to secure todays building prices for a home that is predicted to experience capital growth in the timeframe it takes to complete the build. This is reliant on market conditions but also on ensuring you get the right price for the area you want to build. This is what we specialise in and can guide you with in our buying process.
Building also means you have a brand new house that is energy efficient and low maintenance as everything is brand new and warrranty periods apply. Established properties often come with added maintenance costs required for upgrades and repairs. 
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)today and we can explain the advantages to you in full and help you decide what is best for you!

Question 7

CAN I USE YOUR SERVICES IF I ALREADY HAVE FINANCE OR A MORTGAGE BROKER?

Accepted Answer

Definitely. If you already have your own mortgage broker or finance approved, that’s great. We are happy to work with your choice of broker. We will source the land and manage the build around the budget they provide. We can ensure you get the right deal for you and help you with all the decisions along the way.
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)today and we can start looking for house and land options to present to you!

Question 8

SHOULD I BUY A BLOCK OF LAND WITHOUT YOUR ADVICE?

Accepted Answer

You may have seen a block in an area you like that you want to buy and think you’ve been offered a great deal however our recommendation is to speak to us before signing any land contract. We can help you consider:
 • Additional sitework costs. These are required to build on any block. While they can be standard on a flat block, factors such as any slope or easement can lead to steep sitework costs and inflate the overall cost of your build.  
 • Details on when the land is titled. This is the date the block will be released by the developer and ready to be built on. If this date is too soon you may not have finance in time or if it is too far away you may need to cover rent and repayment costs for longer than needed. 
 • Suitability of the block based on its orientation to maximise natural light, suitability for the home designs you like and proximity to estate amenities such as parks. We will also highlight any concerns with the block such as noise or estate requirements that could increase your cost of building.
 • Price! We can assist you by negotiating the purchase directly with the land developer to ensure you are getting the best deal. Sometimes land rebates and discounts can be available too. 
To give you time to make the right decision, we can organise to put a hold on the land to give our 3rd party builders time to review the plan of subdivision, engineering report and design guidelines against a home design you like to ensure your preferred home can fit on the block and you can afford to build the home you want taking into account the sitework costs. We will provide you with a total combined house and land price within your budget before you sign your land contract ensuring no price shocks down the track.
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)today and we can help you find the right block for you!

Question 9

I ALREADY HAVE A BLOCK, CAN YOU STILL HELP ME?

Accepted Answer

Definitely! While we recommend seeking advice prior to locking in your land contract we can still assist you with choosing the right home design and builder to achieve your goals and ensure you get the best build for the block you have purchased.
We will ensure your build cost fits within your remaining budget while the design maximises the use of your land and all sitework costs, build inclusions and your desired extras are detailed and included in your build contract. 
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)today and we can start sourcing quotes from builders for you.

Question 10

WHAT ARE SITEWORK COSTS?

Accepted Answer

Siteworks are the costs incurred in preparing your land to build on it and can vary from block to block.
The slope of the block could require additional ground work such as retaining walls, filling, cutting or drainage. This needs to be done on sloping blocks to ensure the home build is structurally sound.
The soil type and stability can also impact sitework costs. A builder can look at site engineering plans and order reports/tests they need to advise these costs.
These costs are payable by you and are completed by the builder you choose to build with. The sitework costs should be quoted by a qualified builder BEFORE you sign on your land or build contract. 
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)so we can assist you in ensuring these costs are advised and fixed in your build contract. These costs can blow out if you aren't aware of them before you start the building journey!

Question 11

HOW DO I KNOW IF A HOME DESIGN I WANT WILL FIT ON MY BLOCK OF LAND?

Accepted Answer

Unfortunately, it is not as easy as picking a block you like and a house design you like and it will always work. A builder needs to review the engineering plans of the block, the plan of subdivision, estate guidelines and orientation of the block to advise what house they have available in your price range to suit the block. 
Our job is to help you coordinate all of this and look at the all options available to you. As we are not a land developer or a builder we can work with all different companies to find the best house and land package for you. Once we talk to you and know your goals our affiliate mortgage brokers establish what you qualify to spend. Then we get to work finding you the best options to present to you from different land developments and builders. 
 
Whatever stage you are at in the journey, you can BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)and we will help you.

Question 12

HOW DO I KNOW WHICH HOUSE DESIGN IS BEST FOR ME?

Accepted Answer

Choosing a new home design is more involved than just picking one you like or being impressed by a fancy display home overloaded with additional extras and expenses that won’t be included in the base price advertised.
There are many factors to consider in determining the right home for your needs and we are very experienced in helping clients choose the right design for their current and future goals. Taking into account the number of people in your household and your future family plans is important as well as choosing the best options to include to improve your future resale value or rental return.
By using a variety of builders we can find a floorplan to suit your requirements without you having to do the shopping around or comprimise. Plus you can trust that our advice is given in your best interest.
The sooner you BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)with us, the sooner we can help you make the best decisions for your new house and land package.

Question 13

HOW DO I KNOW WHAT IS INCLUDED IN THE PRICE?

Accepted Answer

There is a lot of marketing offering cheap entry point homes. They are often very limited in supply and can often sacrifice quality. These prices also dont include siteworks and other costs that have to be added to complete the build.
 It is important when talking to any builder that you know exactly what is included in the price before you commit to anything. Often a little more time and sometimes dollars spent at the start of the building process will add greater value to your home and save you money in the long term. 
All building contracts should include a specification list that outlines exactly what is included in your home. We ensure all build quotations we receive for you detail all your inclusions and we work through them with you to help you look at where you might wish to save money or where you might want to add some extras. We draw on our experience to guide you and we also work with our affiliate builders to ensure you get as much value as possible included in your final price.
If you decide to proceed we ensure the final agreed price is fixed in the building contract. No surprises later!
If you're ready to know how much you qualify to spend you can use our ELIGIBILITY CALCULATOR (https://www.completehomebrokers.com/eligibility-calculator)to find out.

Question 14

WHAT IS THE DIFFERENCE BETWEEN TURNKEY AND A HOUSE & LAND PACKAGE?

Accepted Answer

These terms are often used by building companies advertising products but what do they exactly mean! If you are not in the building industry or new to building a home it can be confusing.
 
A full turnkey home means the package price includes everything you need live in the home from day you get the keys with nothing more to do! In addition to a finsihed lock up home, it usually includes features such as letterbox, driveway, landscaping, fencing, and window coverings. But you still need to check with your builder and read your contract before signing to confirm exactly what is included and what quality they are.
 
A house and land package can also include the features mentioned above but can also just reference the home built on your block of land up to lock up stage. You need to ensure your conversation with the builder makes it clear what is going to be incuded before you sign any contracts. And ensure those items are stated in your contract!
 
We specialise in helping our clients understand exactly what they are getting and we negotiate with our affiliate builders to ensure the desires of our clients are met. We can help you decide what features you need included, what suits your budget and what you would rather complete yourself after settlement and save money on now!
 
It can all seem overwhelming but we ensure you are kept informed and make the process as streamlined as possible to build you the home you want. 
 
BOOK A FREE CALL WITH US (https://www.completehomebrokers.com/learn-more)today and we can start discussing what you want.

Question 15

WHAT DOES A FIXED PRICE CONTRACT MEAN?

Accepted Answer

When you sign a contract to build a home it is often the case that there is a period of time before the build will commence. Depending on when your land is titled (ready to be built on) it can sometimes be some time before the build commences. Ensuring your build contract is locked in at a fixed price protects you from any company or industry price rises in the period between signing your contract and completing your build.
These are the small details that make a huge difference in your home building experience. With us working for you we can bring your attention to these details to ensure you dont have any hidden surprises along the way. 
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)with us today and we can help you!

Question 16

WILL MY NEW HOME BE ENERGY EFFICIENT?

Accepted Answer

Yes! It is a requirement that all new home builds comply with Government 6 Star energy rating regulations.  This means your new home will be more cost effective to heat and cool as well as more sustainable to the environment. Another advantage of building a new home! 
If you have any more questions in regards to design guidelines or anything at all you can BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)with us and we will help. There are no "silly" questions. A new home is a big investment and if there is something you want to know just ask us!

Question 17

WHAT IS THE COMPLETE PROCESS OF BUILDING A NEW HOME?

Accepted Answer

Building a new home is overwhelming when you are going it alone. There are so many things to consider and a lot of information to process. That’s why our free advice will be invaluable!
To help you understand the complete process we have put together a simple step by step guide on the building process. Our guide is free and covers everything from the pre-finance steps to the settlement stage and all the detailed steps in between!
Be informed and know what to expect when setting out on the journey of building a new home. An understanding of the process coupled with our support and advice will ensure a successful home building experience.
BOOK A FREE CALL (https://www.completehomebrokers.com/learn-more)with us now and we can give you all the advice you need to decide if building is right for you!

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