Wombat Home Loans

Construction House and land cash walk

NSW house and land

The cash you need, step by step.

This walk is only for two-contract NSW vacant land plus a fixed-price build. Estimate only. Not a loan offer.

Reno, knock-down rebuild, or a finished home? Those are different doors. Back to the construction hub.

Two contracts only: land, then a fixed-price build. Dated 2026/27. Estimate only.

NSW vacant land only. Not a completed or spec home.

Already here. Not KiwiSaver, not an unpaid bonus, not overseas money waiting to land.

Thresholds only. This is not an eligibility check. Assumes you qualify for FHBAS. Confirm on Revenue NSW before you exchange.

Default is 90%. Still changeable. This is not a max-loan calculator.

Indicative only. Not your lender's rate. Change it. Clear the field to skip interest-only and principal-and-interest.

Typical builder-contract stages (Housing Industry Association style) sit in the extra inputs below: deposit 5, base 10, frame 15, lock-up 35, fixing 25, practical completion 10. Overwrite them from the contract.

More inputs: holding deposit, extra cash, and stage percentages

Already gone. Reduces the land invoice. Not subtracted from cash again.

A typical Housing Industry Association builder-contract figure is 5%. Home Building Act s8 maximum is 10%, not 5%. Overwrite from the contract.

Typical builder-contract split (Housing Industry Association style), not law. Must add to 100% with the deposit. Months default to an even split of the land-to-PC period.

Cash after duty —

Book a Strategy Session

Thirty minutes on Google Meet. I will tell you if the cash walk is actually walkable, including not yet.

The full rule list behind this tool
  • Estimate only. Dated 2026/27. Not an approval, not a max-loan, not a lender comparison, and not a borrow-o-meter.
  • Two contracts: vacant NSW land, then a fixed-price build. Completed homes, spec homes, owner-builder, knock-down rebuilds and other states are out of scope.
  • Package C is land plus build. Loan L is the floor of C times the LVR you pick. Equity E is C minus L. Duty sits on top of E. It is not part of the LVR.
  • Duty uses the NSW 2026/27 land-transfer rates published by Revenue NSW (updated 19 August 2026). Dutiable value is the land price only. Premium duty over $3,870,000 is out of range here and is not computed. Transfer and LRS fees are not invented.
  • First Home Buyers Assistance Scheme (vacant land): no duty at or under $350,000, full duty at or over $450,000. Between those two figures duty is concessional. This tool will not invent a sliding formula. Confirm on the official calculator. Assumes you qualify. Confirm on Revenue NSW before you exchange.
  • First Home Owner Grant is $10,000 if you are a first-home buyer and the package is at or under $750,000, otherwise $0. The $0 line is shown on purpose. The grant is paid via the lender or Revenue NSW, not pocket cash on day one, so it does not add to the cash walk.
  • Lenders mortgage insurance is not computed. Genuine-savings seasoning is not tested. The tool only flags that 5% of the package is $X and that lenders usually want that already in Australia.
  • Cash means money already in an Australian account. KiwiSaver, unpaid bonus and overseas money do not count.
  • Default build stages are a typical builder-contract split (Housing Industry Association style, not law): deposit 5, base 10, frame 15, lock-up 35, fixing 25, practical completion 10. Overwrite them from the contract. Home Building Act s8 caps the deposit at 10%.
  • At land settlement you put in the required equity first. Extra cash stays as a buffer for later build invoices. After your own dollars are gone, later invoices are the lender paying the builder.
  • Interest-only while you wait is drawn balance times the rate you typed, divided by 12. Rent runs until practical completion. After practical completion, a simple 30-year principal-and-interest estimate on the full drawn balance. No APRA 3% buffer.
  • Product features change. This is general information, not personal advice.

Sources: Revenue NSW transfer duty, FHBAS, FHBAS vacant-land calculator, First Home Owner Grant, Home Building Act s8.

The next step

A calculator gives you a number. I give you a plan.

These tools use one set of assumptions. Lenders use forty different ones — and matching your situation to the right credit policy is usually worth far more than any online estimate. Thirty minutes on Google Meet, no cost, no obligation.

Book a Strategy Session Or call +61 456 255 409

Things to know: these calculators are a guide only. Results are estimates based on the figures you enter and the assumptions stated on this page — they don't take into account all fees and charges, changes in interest rates, or your full personal circumstances, and they are not a loan offer, pre-approval, or credit advice. Every lender assesses applications differently, and your actual borrowing capacity, repayments and savings may be higher or lower. Before acting, consider whether the results are right for your situation — or better yet, talk it through with a broker. Wombat Home Loans is a Credit Representative of Loans Only Pty Ltd, Australian Credit Licence 561324.

Estimate only. Dated 2026/27. Not a loan offer, pre-approval, or credit advice. Confirm duty and grants on Revenue NSW before you exchange. Wombat Home Loans is a Credit Representative of Loans Only Pty Ltd, Australian Credit Licence 561324.