NT-— · prepared · trial copy
No plan chosen yet
Sample figures, not a contract price. The fixed price comes after the soil test and survey, with any difference shown line by line.
What's the number?
Two parts, in the open: the cost builds line by line, then you see whether the loan would carry. Your figures, on your device, sent nowhere.
Sample and example figures. Not a quote, not advice
Step 3: the rooms and the measure.
That's the band we're aiming at for the house itself, before your block's own site work. The site work can only be quoted after a person visits. The two parts are never rolled into one 'package price', and the real price publishes once, contract-accurate, when the inclusions are locked.
Part one: the cost builds.
No lot loaded yet. Open the fit check to see which extras touch your block. Open the fit check
Your lot's extras Tick what a siting might find. Figures are samples.
Soil test and survey are quoted when you book the site visit. They turn this rough number into a fixed one. If the fixed number differs, you see the reason line by line.
The real version is a written quote you keep. Take it to any builder and compare.
It IS the honest starting point: base plus your lot's known extras, in writing.
It is NOT a contract price. That comes after the soil test and survey, with any difference shown line by line.
It is NEVER a 'from $X' teaser to get you in the door.
Building permit, issued by a private building surveyor. Quoted at cost when you book the site visit, invoice attached.
Planning: what paperwork your lot needs is checked by a person at the site visit, answered in writing.
Asset protection: the council's charge to protect the nature strip and footpath during the build. At your own council's set rate.
Connection fees for power, water and sewer, at the providers' own rates, invoiced.
Nothing here is marked up. You pay what the invoice says, and you see the number before you sign.
Part two: can you carry it?
Your front house, as the lender sees it
exampleThis is arithmetic, not an offer. Whether your equity can carry your build depends on income, the valuation and the lender. The lender decides; the broker helps you prepare.
What borrowing feels like, per week
exampleEquity opens the door. Income still has to carry the repayments. A lender tests both. That's why the broker conversation happens early, before you fall in love with a plan.
If renting is part of the plan, your own number
your assumption, never a promiseRent isn't net money: vacancies, management fees and tax all exist. That's a broker-and-accountant conversation. And the band below does NOT count rent. Lenders assess it their own way.
Bands are In the zone / Close to the line / Not yet. The first filter only. A licensed broker's signed rules replace these demo rules on the real site, and only a lender ever approves.
Rent can help carry the loan, but the number is YOURS to enter, never this page's promise. All we offer is a reference from the Victorian Government's rental report, with its quarter and conditions stated. The real number still comes from a real lease on a real home. Sliders that promise rent are how people get sold backyard boxes they regret.
Step 4: send the file to a person
Your band and your example numbers travel with the file, so the broker starts from what you've already done, not from a blank form.
Step 4: Send the filePrepared is the point.
When you're ready, the first real step is the free human check of your lot. Everything you just moved around becomes real paperwork: the drawing, the number, the pack.
Free lot check. A person answers straightFree. And a 'no' is a real answer too. It just arrives before you've spent anything.