Frequently Asked Questions
Can House Land Co help me build my property portfolio as fast as possible?
Absolutely — that’s exactly what we’re built for.
Our strategy is simple: we place you in locations we believe will outperform the market, and we build only high-spec, owner-occupier grade homes.
Why? Because upgraded homes in predominantly owner-occupied areas tend to grow in value faster than standard investment builds. As each property gains value, you build equity, and that equity becomes your leverage to purchase the next one.
This is what we call “leap-frogging” — a proven, accelerated pathway to scaling your property portfolio with confidence and speed.
What benefits are there to dealing with House Land Co?
What is the difference between positive and negative geared properties?
“Gearing” simply describes the cash flow of an investment property — much like looking at a business’ Profit & Loss Statement.
“Positive gearing” means your after-tax income from the property is greater than your expenses. The rent and tax benefits cover all costs, leaving you with a net cash surplus. You don’t need to tip in any of your own money to hold the property.
“Negative gearing” is the opposite — your after-tax income is less than your expenses. This creates a net cash loss, meaning you must contribute extra funds each week or month to keep the property running.
In Australia almost every dollar spent on land acquisition, construction and operating a rental property is tax deductible (except stamp duty, which applies only to the land component on a house-and-land package).
This is why when a property is positively geared, all costs — including interest — are effectively covered by rental income and tax benefits, not by you:
Rental income + after-tax income – property expenses = positive cashflow.
Throughout a property’s life cycle, it’s normal for its gearing to shift — from positive to negative and back again. This can happen for many reasons, but the saying holds true: “In the end, investors always win”.
Why? Because when interest rates rise, rents typically rise too — and all interest and operating costs remain tax-deductible.
An investor’s wealth is ultimately measured by the equity they build. House Land Co’s mission is to help you accumulate hundreds of thousands in equity as quickly as possible, giving you the leverage to reinvest and repeat the process again and again.
Our goal is simple: to put you into positively geared properties that also grow rapidly in value — giving you the best of both worlds.
What are the benefits of "full turnkey, fixed price" packages?
A full turnkey, fixed-price package means your home is delivered 100% complete — ready for tenants from day one — with no hidden surprises. Everything required to finish the build is included in the contract price, including rock excavation, landscaping, fencing, driveway, letterbox, clothesline and more.
In short, everything is covered and you won’t be hit with unexpected additional costs.
On top of that, House Land Co negotiates with major wholesale builders to include a premium range of upgrades in every build at wholesale pricing. This ensures you receive a high-spec, owner-occupier standard home — the kind that rents out easier, grows faster in value and stands out from typical investment builds.
Will the entire process — from contract signing to tenanting — be fully managed for me?
Yes. This is exactly what we do for every client.
From the moment you decide to submit an Expression of Interest (EOI), we handle the entire journey on your behalf.
Here’s what that looks like:
EOI Management
We prepare and lodge your EOI with the land agent and builder, securing all negotiated discounts. We also ensure your contracts include Subject to Finance (STF) clauses so you have time to organise lending.
Contract Accuracy
We review all drafted land and build contracts before they reach you, ensuring everything is correct.
Rental Support
We organise rent appraisals and rent guarantees to strengthen your loan application.
Finance Guidance
We track your STF deadline and keep you on pace to achieve finance approval.
Build Kick-Off
After land settlement, we monitor site commencement and push for the earliest possible start date.
Build Progress
Throughout construction, we track each stage and provide regular updates — including photos when available.
Pre-Handover & Leasing
As handover approaches, we order your tax depreciation schedule and connect you with an experienced property management team who will secure tenants and have them ready to move in as soon as the home is completed.
What fee does House Land Co charge for each new property purchase?
Nothing — we don’t charge you a cent.
Just like a finance broker, we earn a commission from the builder you choose to build with. And when we offer you a build discount, it simply comes out of our commission — not your pocket.
Do you have finance brokers who can help with securing property finance?
Yes — and choosing the right broker can make or break your finance approval.
We partner with highly experienced, fully independent finance brokers who successfully assist over 95% of House Land Co’s clients. They have access to a broad network of lenders and understand how to match each build type with the right lending option — a key advantage many brokers don’t offer.
They also specialise in co-living finance, which is essential if you’re investing in a co-living property.
Can House Land Co assist with all aspects of property management?
Absolutely.
We connect our clients with trusted and experienced local property management teams, depending on which location they purchase in. These teams have consistently proven themselves to be reliable, professional and highly skilled — especially in managing and leasing co-living properties.
As handover approaches, your property managers will guide you through everything: arranging insurance, organising utilities, co-ordinating furniture packages for co-living homes and preparing your property for tenants. They’re not just there to secure high-quality tenants — they’re there to support you from day one and throughout the entire tenancy lifecycle.
They also provide rental appraisals and rent guarantees for your finance application, and they’re always available to answer questions and handle every aspect of property management. It’s what they do best.
Why work with Steve Mac and his team?
Steve has helped more than 1,400 families build wealth through property investment. He’s hands-on, energetic and focused on educating, rather than selling. When you work with Steve, you’re part of the journey — he’s committed to helping you grow with him and always keeps the bigger picture in mind.
His PA, Suzanna, handles the finer details: contracts, timelines, organisation, efficiency and making sure every step of the build process runs smoothly. She supports you from start to finish.
Steve’s network of brokers, builders and conveyancers are some of the most respected in the industry. They’re accessible, responsive, and dedicated to guiding you through the process, while consistently over-delivering.
With Steve and his team, you get expertise, support, transparency — and a team that genuinely cares about your success.
