Thinking about a new build,
house-and-land package
or investment property?
Before you enquire, sign or pay a deposit, check your borrowing capacity, deposit position, valuation risk, lender criteria and finance pathway.
Finance First
Know Before You Sign
Understand your borrowing capacity, deposit needs and loan structure before committing.
Buyer Pathways
First Home · Investment
Home Buyers · House & Land
What to check before you sign
The four finance factors that most commonly derail new-build and house-and-land purchases.
Borrowing capacity
Know what a lender is actually likely to approve — before you commit to a build contract or land price.
Valuation risk
New builds and house-and-land packages can value below contract price. Understand the shortfall risk before you sign.
Deposit & structure
Deposit requirements, LMI, guarantor options and loan structure differ for construction and off-the-plan purchases.
Lender criteria
Not every lender finances every build type, location or contract structure. The right lender match matters early.
Finance Support
Check your finance before signing a contract
Obtain Finance helps buyers understand borrowing capacity, deposit requirements and loan structures — for first home buyers, home buyers, investors, refinancers and commercial purchasers.
Credit assistance only · Not financial, investment, tax or super advice
Finance guides for property buyers
Obtain Finance does not provide property, investment, tax, legal, financial or superannuation advice. Obtain Finance provides credit assistance only. Buyers should obtain their own independent advice before making any purchase decision.