5 bedroom house & land packages that virtually pay for themselves
Rental returns of $1,000 to $1,250 per week, backed by a genuine rent guarantee from your property manager.
We source packages Australia-wide, with our current focus on locations where land is still affordable enough for the numbers to work.
As traditional housing affordability tightens, the demand for flexible, all-inclusive accommodation continues to accelerate. It’s a permanent shift in how modern professionals and essential workers find housing — giving you reliable, multi-stream demand from day one.
One title. Four or five rents.
A co-living home is let by the room under a secure lease rather than as a single dwelling — which is what lifts it well past the gross yield of a standard house and land package at the same price.
Higher yield
Four to five separate rents from one property, instead of one tenant carrying the whole loan.
Lower vacancy risk
If one room is empty, the others still pay. Your cashflow never drops to zero the way it does when a single tenant leaves.
Built for demand
Affordable rental rooms are in chronic short supply across Victorian growth corridors and most Australian capitals.
At least 75% of cashflow at full occupancy — guaranteed
Every package we offer is paired with a property manager who puts their own money on the line — not a marketing promise, a contracted floor under your returns.
Protection against vacancies and arrears
Always earn at least 75% of your maximum cashflow at full occupancy — regardless of room vacancies or tenants in arrears.
A manager with a direct financial stake
Your property manager's income rises and falls with yours — so filling rooms is their problem too, not just yours.
Predictable cashflow
You know your floor before you buy, which makes servicing the loan a calculation rather than a hope.
Profitable by design
With a guaranteed floor on your returns, the investment is structured to be profitable — not just on paper, but in practice.
“If your home generates less income than it would at 75% occupancy, we’ll pay you the difference.”
Or call Terry direct on 0412 472 172.
Why the smart money is targeting Victoria
Perth, Brisbane and Adelaide have already run hard. Victoria hasn't — and it is still the one state where land is cheap enough to build a 4 bedroom (from $699,000) or 5 bedroom home and have the rent cover it. Buying in at a lower entry price while rents keep climbing is exactly where the yield comes from.
Perth +91% · Brisbane +85% · Adelaide +72%
Explosive past growth in these markets means top-of-cycle prices — and yields squeezed out of the deal.
Melbourne · Stagnant at 3.3%
That flat line isn't weak fundamentals — it's a market out of favour while everywhere else has run hard. Gaps like that don't tend to stay open forever.
From $750,000 in Victoria
A comparable 5 bedroom build costs substantially more interstate. Victoria is where the numbers still stack up.
“Be fearful when others are greedy, and be greedy only when others are fearful.”
Population growth is accelerating
Victoria took in over 123,000 residents in the past year through overseas migration and interstate return — and those arrivals need affordable rooms, not just houses.
A chronic shortage of affordable rentals
Room-by-room demand in Victorian growth corridors far outstrips supply, which is precisely what drives $1,000–$1,250pw returns.
Global standing remains strong
Melbourne topped Time Out's Best Cities Ranking this year, ahead of New York, London and Shanghai, and ranks near the top of the Economist Intelligence Unit's Liveability Index. That reputation underpins long-term rental demand.
Political sentiment may be shifting
Polling ahead of the November 2026 Victorian election suggests a possible change of government, which some analysts believe could help restore business and investor confidence. Worth watching — though of course not guaranteed.
Cobble Springs Estate — Cobblebank, VIC
A standout location for co-living — just 2 minutes from the new $900 million Melton Hospital. Major hospitals bring thousands of staff, students and contractors who need affordable, well-located rooms: exactly the tenant pool these homes are built for.
Three live 5 bedroom co-living packages
Full house plans, pricing, inclusions and independent rental appraisals — open them below. Rent figures are from Certainty Property, who also provide the 75% minimum rent guarantee.
Winterfield Estate
Winter Valley (Ballarat), VIC
- 205.6m² · 5 bedrooms
- 512m² · 16m frontage
- Land $299,500 + House $460,000
- $200 – $220 per room
Cobble Springs Estate
Cobblebank, VIC
- 205.6m² · 5 bedrooms
- 400m² · 12.5m frontage
- Land $408,000 + House $443,000
- $200 – $210 per room
Five Farms Estate
Clyde North, VIC
- 205.6m² · 5 bedrooms
- 400m² · 12.5m frontage
- Land $467,000 + House $448,000
- $230 – $260 per room
Prices, land availability and rents are indicative and subject to change. Images in the plans are artist impressions.
Pick the estates you like — we'll check what's available for co-living.
These are the Victorian growth estates we work in, from developers such as Stockland, Satterley, Frasers and Villawood. Tick any that interest you — or skip ahead and let Terry shortlist for you. Availability for a 4 or 5 bedroom build varies by estate and stage, so Terry will confirm what can be built where.
Interactive map — click any pin to see the estate location. Full list below.
No estates selected? — you can still submit and let Terry shortlist for you.
Two-part contract. Quality design. Managed and guaranteed income.
Choose your package
4 or 5 bedroom co-living designs, sourced to your budget and preferred locations.
Two-part contract (land + build)
A standard land purchase plus a building contract — the conventional structure for co-living investments (not an SMSF single-contract build).
Built & ready to let
Your home is completed and ready for room-by-room tenancy.
Managed with a rent guarantee
A property manager takes it on with a 75% cashflow guarantee — predictability and a direct financial stake in your returns.
Request your co-living package shortlist
Terry will personally check live stock and email matching 4 & 5 bedroom co-living packages — usually within one business day.
Terry Loftus
Property Consultant
Terry works directly with quality builders and developers across every state of Australia to source apartments, townhouses and house land packages matched to his clients' needs and budget. Every enquiry is personally checked against live stock — no call centres, no chasing.
Disclaimer: We are property consultants, not financial advisors. Co-living packages use a two-part contract (land plus a separate building contract). Rental return figures are estimates based on room-by-room letting at full occupancy and are not guaranteed returns — the rent guarantee applies a floor of at least 75% of cashflow at full occupancy, subject to the property manager's terms. Always verify figures, contract structure and the guarantee terms with your own advisor before proceeding.