Securing your home
Your journey begins with the first key steps to get your build moving.
- Property selection
- Reserving your property
- Contract signing
Build journey
From contract to keys, we’re with you
Building a new home is an exciting journey, but there are a few important steps along the way. We're here to guide you through it, so you know what is happening and what comes next.
What to expect during your build
Your journey will move through finance, land settlement, approvals, construction and handover. Each stage plays an important role in getting you closer to your new home.
Valuations and lending
Your broker will assist you through this stage.
- Bank valuations are ordered
- Your broker assists with your home loan application
- Updated payslips or bank statements may be requested if needed
Finance approval
Once finance is approved, your solicitor and broker will guide you through the next requirements.
- Your solicitor will confirm whether you are ready to go unconditional
- Your First Home Owner Grant application may be submitted, if applicable
- Mortgage documents will be issued by your lender
- Your broker will provide instructions and help with completing them
Prepare for settlement
Your team will prepare for land settlement.
- Your broker will prepare for land settlement and let you know what is required
- Colour selections, variations or upgrades may be finalised with your builder
- Your solicitor will review settlement requirements and help coordinate the legal side of your land purchase
Land settlement
This is an exciting milestone — you now officially own your block of land. 🥳
- Home loan repayments may begin
- Council rates and charges apply from the land settlement date
- Your council will send rates notices directly to you when issued
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Land settlement generally occurs 3–4 weeks after finance approval. If land is unregistered, settlement is generally 3 weeks after your solicitor receives notice of registration.
Approvals and site start
Once land settlement occurs, your builder can work toward building approvals and site start.
- Your builder finalises documents required for building approvals
- Your builder provides approvals and required documents to your bank
- Your bank releases any required deposit claim payment to your builder
- If part of the deposit invoice is payable by you, your broker will advise
- Once payment is received, your builder can set a site start date
Construction period
Your home will move through the major construction stages.
- Slab stage
- Frame stage
- Enclosed stage
- Fixing stage
- Practical completion
- Once the practical completion claim is issued, you will need to arrange home insurance
- Arrange electricity and internet connections before handover day
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Construction is generally around 6–8 months, depending on house size, weather, trade availability and other possible delays.
Handover day
This is the moment you have been working toward — getting the keys to your new home. 🎉
- Your bank inspects the home and releases final payment to the builder
- Your builder completes final items and cleaning
- You collect the keys and move into your new home
- You can now enjoy life as proud home owners!
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Handover is generally around 2–3 weeks after your final claim is issued.
Disclaimer: The steps listed above are provided as a general guide only. Timeframes and steps may vary and are subject to change depending on your lender, builder, solicitor, land registration, weather, trade availability and personal circumstances.
We're here always
If you’re unsure about where you are in the process, what happens next or who to speak with, our team is here to help guide you through the next step toward getting the keys.
