Land plus build contracts
Two contracts mean two parts to your loan. We check the deposit amounts (builders in NSW can ask for up to 10% on contracts over $20,000), the progress payment schedule and inclusions.
Mortgage broker for Box Hill.
Box Hill is one of the fastest-growing parts of the Hills, with large new estates and house-and-land packages. Building a home takes a different kind of loan, and timing matters. We help you plan it from land contract to handover.
- Council
- The Hills Shire Council
- Postcode
- 2765
- Homes
- House-and-land, new houses and townhouses
- Area
- Part of the North West Growth Area, near Rouse Hill and Schofields
Most purchases in Box Hill are new homes: house-and-land packages, completed new builds or off-the-plan townhouses. Lenders look closely at the builder's contract, valuations of new homes in new estates and the time until land registration.
How we help in Box Hill
When the valuation comes in low
New homes in new estates sometimes value below the contract price. We prepare for this and choose lenders whose valuers know the area.
Brand-new homes
The $10,000 First Home Owner Grant applies to eligible new homes up to $600,000, or $750,000 for land and build. With separate land and build contracts, NSW stamp duty is charged on the land only.
New builds and negative gearing
New builds keep negative gearing under the tax changes passed in June 2026. We show how much rent lenders will count and how that affects your borrowing.
First home buyers in Box Hill
For house-and-land in Box Hill with separate land and build contracts, NSW stamp duty is charged on the land only, which keeps it well below the duty on an established home. First home buyer duty relief for vacant land has lower thresholds (no duty up to $350,000, reduced duty up to $450,000). The 5% Deposit Scheme can also be used for house-and-land and building. See the first home guide →
How we work with you
- Appointments in person, by phone or by video
- Evening and weekend appointments
- We compare 50+ lenders and explain the trade-offs
- Our home loan service is usually free to you; lenders pay us when your loan settles
Common questions from Box Hill clients
Can I use the 5% Deposit Scheme to build?
Yes. It covers house-and-land packages and building on land you own, as long as the total price is within the $1.5 million cap and you meet the eligibility rules.
What happens if building takes longer than planned?
You keep paying interest on the amount drawn, plus any rent if you're renting meanwhile. We build a buffer into your plan and check how long the lender allows for construction.
Is stamp duty charged on the build?
For a separate land and build contract in NSW, duty is generally charged on the land price only. A completed house-and-land purchase on one contract is charged on the full price.
Nearby areas
General information only, not credit or financial advice. Government scheme and duty figures are as at 1 July 2026; check current details with Revenue NSW and Housing Australia. Every lender has its own criteria and approval is never guaranteed.
Buying or refinancing in Box Hill?
Book a free chat. We'll work out your options and what you can borrow.