House and Land Packages - Complete Guide to Turnkey Homes NZ
House and land packages offer a streamlined path to home ownership, combining a section purchase with a new build contract in one transaction. Popular across Canterbury and Christchurch, these packages simplify the building process while often providing fixed-price certainty. Whether you're a first-home buyer seeking simplicity or an investor wanting turnkey property, understanding how house and land packages work will help you make the right choice.
What is a House and Land Package?
A house and land package bundles a section (land) with a contract to build a specific house design. The developer or builder pre-selects sections in subdivisions and pairs them with compatible house plans. Buyers purchase both together, often with a single combined price covering land, build, driveways, landscaping and connection fees.
Types of House and Land Packages
- Turnkey Packages: Completely finished, ready to move in - includes landscaping, fencing, driveways
- Fixed-Price Packages: Guaranteed build cost, but may exclude some finishing items
- Design & Build: Choose section, then customise house design from builder's range
- Spec Homes: Builder constructs then sells - no waiting for build completion
House and Land Package Prices Canterbury (2026)
| Location | House Size | Package Price |
|---|---|---|
| Rolleston | 3 bed / 150m² | $650,000 - $750,000 |
| Lincoln | 3 bed / 150m² | $680,000 - $780,000 |
| Halswell | 3 bed / 160m² | $720,000 - $850,000 |
| Rangiora | 3 bed / 150m² | $620,000 - $720,000 |
| Prebbleton | 4 bed / 180m² | $750,000 - $900,000 |
Advantages of House and Land Packages
- Simplified Process: One contract, one point of contact, clearer timeline
- Fixed Pricing: Know total cost upfront - no surprise variations
- New Home Warranty: Builder guarantees cover defects
- First Home Grant Eligible: New builds qualify for government assistance
- Modern Standards: Built to current building code, energy efficient
- Less Stress: Builder handles consents, inspections, coordination
What to Watch Out For
- Inclusions: Check exactly what's included - driveways, fencing, landscaping?
- Variations: Understand costs for any changes you want to make
- Timeframes: Confirm realistic completion dates and penalties for delays
- Builder Reputation: Research builder reviews and completed projects
- Contract Terms: Have lawyer review before signing
- Hidden Costs: Legal fees, connection fees, rates during build
Frequently Asked Questions
Are house and land packages cheaper than buying separately?
Sometimes. Builders may offer package discounts, but you lose negotiating flexibility. Compare total package cost against buying section separately and getting competitive build quotes. Package convenience often justifies small premium.
Can I customise a house and land package?
Most packages allow some customisation - colour schemes, fixtures, layout tweaks. Major changes may incur extra costs or void fixed-price guarantees. Discuss customisation options before committing.
How long does a house and land package take?
Typically 8-12 months from contract to completion, depending on section availability, consent timeframes and builder capacity. Titled sections with standard designs are fastest. Factor in potential delays.
Do I need a deposit for house and land packages?
Yes, typically 10% of total package price. Some developers accept 5% on signing with balance on title issue. First Home Loan scheme may allow lower deposits for eligible buyers.
Can first home buyers use grants for house and land packages?
Yes. First Home Grants ($10,000 individual/$20,000 couple) apply to new builds including house and land packages. You must meet income caps and have 3+ years KiwiSaver contributions. Package price must be under regional caps.
What happens if the builder goes bankrupt?
Check if your builder has Certified Builders Association membership or similar guarantee. Some offer completion guarantees. Your deposit may be protected in a trust account. Discuss protection with your lawyer before signing.
Is it better to buy a section and build separately?
Separate purchase gives more flexibility in section choice and builder selection, but requires more management. House and land packages suit buyers wanting simplicity and fixed costs. Consider your available time and expertise.
What financing do I need for house and land?
You'll need a construction loan or combined home loan covering land and build. Payments are made in stages as building progresses. Banks require building contract and consent before full drawdown. Talk to your bank early in the process.