Smart,Tips,For,Choosing,House, business, insurance 5 Smart Tips For Choosing A House And Land Package

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House and land packages are an attractive option for aspiring homeowners who want to own the ground on which their homes sit. The challenge is finding one that matches your budget and lifestyle preferences while offering high-calibre workmanship. There are countless builders that offer a range of such packages. It's worth noting that some builders are better than others based on their experience and reputation with their past customers. In addition, their portfolios differ with regard to the quality of the construction of their builds. We'll provide several practical tips below that will help you to narrow down your options and find a house and land package that's perfect for you and your family.House And Land Packages DefinedTypically, when you buy a new home design, you're buying the structure itself, not the lot underneath it. When you buy a home and land package, you're purchasing both.Such packages come in two flavours. First, you can buy an existing structure along with its underlying lot. Doing so allows you and your family to move in as soon as you receive the keys. The second option is to purchase an "off the plan" package. Here you select the lot and work closely with the developer to build your dream.Advantages Of Purchasing A PackageBuying as a package provides several benefits. First, when you purchase both of them together, you do so with the confidence of knowing that the build has already been approved for the lot. If you purchase them separately, the build will need to be approved by your local council.Another advantage is that buying a house and land together is generally more affordable than purchasing them separately. The property developer will handle many of the tasks you would normally hire other professionals - plumbers, architects, geo-technical engineers, etc. - to handle.Buying an off the plan package - that is, having a new house built on your lot - affords another advantage. You'll be able to work closely with the developer to customise your design according to your preferences.With the above benefits in mind, use the following 5 tips to find an appealing package that you and your family will enjoy for years to come.#1 - Determine Your BudgetTo save yourself time, determine upfront how much you can afford to spend. Regardless of whether you're a first time buyer or searching for your second or third place, there are packages that will accommodate your budget. The key is knowing your budget before you start your search.#2 - Review The Packages Available In Your Desired LocationYou likely have a good idea regarding where you'd like to live. Start your search by looking at home and land packages in those communities.Note the options that are available to you that match your budget. Pay particular attention to floor plans, the number of bedrooms, and select features, such as whether the property offers an attached garage.#3 - Check The Builder's Track RecordBecause not all builders are alike, it's a good idea to perform at least a modicum of due diligence on those you're considering working with. Check each builder's level of experience and reputation in the industry. Also, check to see whether the developer has received a large number of complaints from past customers.#4 - Discuss Your Design With The BuilderOnce you've settled on a reputable property developer, discuss the features you're looking for. The developer should be able to show you a number of builds that match your lifestyle. If you're buying an off the plan package, your developer will work closely with you to ensure your new design includes the features that are important to you. #5 - Evaluate Your Finance OptionsYour ability to afford a house and land package will depend largely on your finance options. You'll be required to put a certain percentage down on the home and the lot on which it sits. The percentage varies by builder, but generally ranges between 5% and 10% of the total cost. If you've decided to have a new home built on the lot, the payments might only consist of the accrued interest on the loan. The balance of the loan, including payments toward the principal, would be deferred until the developer has completed the build.A number of important factors should be taken into account before selecting a house and land package for your family. Use the tips above to help narrow and expedite your search. The time you invest now to ensure that your home includes your desired features will pay big dividends for years to come. Article Tags: Land Package, Land Packages, Plan Package, Work Closely