Articles About Finance And Refinancing

Land Loan

There are many different kinds of loans and if you decide to buy a block of land and have a house built on it, a land loan may be the most suitable option for you. It's usually cheaper to buy vacant land in this way, but you still need a home to live in, so how do you get the money for this? You will need to get a building loan. But why not just get the one loan to cover both?

Getting a land loan and a building loan separately is to the buyer's advantage because stamp duty is only paid on the land loan, not on the cost of building the house. If you were to get one loan to cover both costs, you would have to pay stamp duty on the whole amount. To get a separate land loan will save you quite a bit of stamp duty.

Don't forget to make sure the block of land can have a home built on it. If it is in an industrial area, this may not be possible. Then you have to be sure that the style of home you choose is suitable for the block. These are just a few things to watch when you decide on a land loan.

Check out QuickDirect and find out about home loan fees at http://www.quickdirect.com.au/

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