House & Land Packages | Mortgage Broker Warragul & Gippsland

Allenda Finance specialises in lending for house & land packages across Warragul, Drouin and the wider Gippsland region.

With major new estates expanding rapidly, buyers need a mortgage broker who understands the unique structure of land purchases, construction loans and staged lending.

As a Chartered Accountant–led mortgage broker, we guide you through every step - from securing finance for the land to managing progress payments during construction. We explain the full process, assess borrowing capacity, coordinate with builders and ensure your loan structure supports your long‑term financial goals.

Whether you’re a first home buyer entering a new estate or upgrading to a custom build, Allenda provides clear, reliable and local lending support for your house & land package.

Stages of a House & Land Package Loan

House & land packages involve two separate lending stages — land settlement and construction. Allenda Finance supports you through each step:

1. Land Purchase
We secure finance for the land component, confirm borrowing capacity and ensure your deposit and contract conditions align with lender requirements.

2. Builder Selection & Contract Review
We help you understand the builder contract, inclusions, variations and how they impact lending approval.

3. Construction Loan Approval
Your construction loan is assessed separately, with lender requirements for plans, specifications and fixed‑price contracts.

4. Progress Payments
Construction loans are released in stages — slab, frame, lock‑up, fit‑out and completion. We coordinate each drawdown with your builder and lender.

5. Final Inspection & Settlement
We assist with final valuations, inspections and loan completion to ensure a smooth handover.

This structured approach gives Gippsland buyers clarity, confidence and a seamless building experience.