Re: advice
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Most banks treat land loans the same as home loans ie same interest rates & up to a 30 year term. Some will lend up to 95% of the land value/purchase price (CBA from memory) - but most won't go any higher than 90% + you have to pay Mortgage Insurance. If you want to avoid Mortgage Insurance, then you have to stump up a 20% deposit (+ stamp duty & legal fees).
Keep in mind that a few of the Banks also have an expectation that you will build on the land within 5 years of purchase (CBA don't).
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