Single-contract house & land for SMSF investors
Rare 1-part turnkey house & land packages structured specifically for SMSF acquisition. 10% deposit, 90% on completion with no progress payments.
Below you'll find 22 hand-picked estates from respected developers such as Stockland, Satterley and Frasers, where this single-contract build can be applied. One of those is the featured estate just 2 minutes from the new $900M Melton Hospital (construction well underway). Important: The opportunity to secure funding for a residential property in your SMSF is about to disappear — allocations are strictly limited. Don't leave it too late.
Why the Smart Money is Moving Here Now.
If you're considering a single-contract, SMSF-approved house & land package, the numbers below point to what may be the most mispriced entry point in the Australian market right now.
Try buying a brand-new, single-contract house and land package in NSW, QLD, SA, or WA today and you're looking at $900,000 or a whole lot more. So where can you still secure an SMSF-approved, single-contract package from $660,000? The consensus from property experts across Australia is clear — the standout for value is just one state: Victoria and here's why.
Perth +91% · Brisbane +85% · Adelaide +72%
Explosive past growth in these markets means you are paying top-of-cycle prices and priced out of high yields.
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 $660,000 in Victoria
The same single-contract package costs $900,000+ in NSW, QLD, SA and WA. Victoria is where the value still lives.
“Be fearful when others are greedy, and be greedy only when others are fearful.”
Why Victoria, and why now
A few reasons we think Victoria deserves a second look:
A value gap that's unusually wide
Every other capital has pushed well past its typical affordability ceiling. Victoria hasn't — which means you're buying in before, not after, the recovery.
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.
Population growth is accelerating
Victoria has taken in over 123,000 residents in the past year through overseas migration and interstate return, supporting strong ongoing tenant 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 in the state. Worth watching — though of course not guaranteed.
Genuinely well-suited to SMSF structures
Packages from $660K. A 10% deposit, no more to pay until completion. Strong depreciation benefits and the single-contract structure simplifies lending considerably compared to a 2 part contract arrangement.
Most house & land packages don't fit an SMSF. These do, but time is running out to secure one.
Compliance-ready
Builder provides single contract structure. Simplifies SMSF lending and trustee due diligence.
10/90, no progress draws
10% deposit, 90% on completion. Your fund's liquidity stays intact through build. No interest or progress payments.
Closing window
Banks are tightening SMSF residential lending. The opportunity to secure a loan will soon be gone.
Cobble Springs Estate — Cobblebank, VIC
A standout top pick — just 2 minutes from the new $900 million Melton Hospital, a major infrastructure driver for long-term tenant and capital demand.
Pick the estates you like — we'll check stock and put packages together.
Take a look of the location of the estates on the map. Then scroll down to the list to click on "View details of the estate" for more information. If a particular estate interests you, tick the box or skip ahead and let Terry shortlist based on your budget. Top 9 picks are highlighted.
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.
Send your budget & preferences to Terry
Terry will personally verify current stock and email a shortlist of matching packages — usually within one business day.
Terry Loftus
Property Consultant.
Terry works directly with some of Australia's largest builders and developers to secure clients preferences and budgets. Every enquiry is personally checked against live stock — no call centres, no chasing.
Disclaimer: We are property consultants, not financial advisors. While these 1-part contracts are designed to meet typical SMSF lending requirements, all trustees must verify the investment strategy and contract structure with their own SMSF auditor or financial advisor to ensure compliance with the SIS Act. Market data courtesy of CoreLogic and our developer network.