1 What this means
Projects on rural or multiply-owned land often need more site work and servicing than a town section. Counting everything up front avoids running out of money partway through.
2 What still needs checking
- House cost for each home
- Site works, earthworks and access
- Water, wastewater and power
- Professional fees and consent costs
- A contingency for the unexpected
- Funding: cash, confirmed grants and proposed borrowing — keep unconfirmed grants separate
3 What you can do next
Enter your figures in the Project budget calculator to see your funding gap. Land equity is shown separately — it isn’t cash, and lenders may not accept shares in a block as security.
Last reviewed 13 November 2026. General guidance only — not legal, financial or building advice. Court, lending and building decisions remain with the relevant decision makers.
