Titled versus untitled land: What every first-home buyers needs to know in 2025

Embarking on your first home-building adventure in the 2025 Victorian property market can feel overwhelming—but it doesn’t have to be.

While affordability and interest rates still dominate the headlines, Victorian first-home buyer activity is making a strong comeback.

According to the ABS, loan commitments from first-home buyers in Victoria rose by 18.2% in early 2025 compared to the same time last year.

That means you’re not alone—and thanks to a mix of government support, new land releases and builder incentives, there’s never been a better time to explore your options with confidence.

We’ve spoken with Blake Pilkington, a new homes consultant at Homebuyers Centre, about what first-home buyers need to know to smooth out this pivotal part of the journey.

Titled land: Fast-track your homebuilding project

Think of titled land as the express route to building your dream home.

It’s a parcel that’s officially registered, complete with essential services like water, power, and roads ready for your new build.

Blake points out, “There’s no delays from the land, so it enables a builder to get on site as soon as possible.”

This means less waiting, which is perfect if you’re eager to settle into your new community quickly.

Untitled land: Enjoy the flexibility for future planning

Untitled land, while requiring a longer timeline for development, presents an opportunity for thoughtful planning and financial readiness.

This option is ideal for buyers who might appreciate more time to fine-tune their plans.
“They can secure the pricing today and know that it won’t increase throughout that time because they’ve signed a land contract,” Blake explains.

This approach allows you to strategise and save, knowing that the price is set and won’t unexpectedly rise—and is an attractive option for first-time homebuyers.

And with potential relief on the horizon, conditions may be improving for those entering the market.

“We’re expecting that we’re going to see an interest rate cut this year, and that’s going to boost borrowing capacity for buyers,” says Angus Moore, Senior Economist at REA Group.

Practical scenarios to help you choose

Navigating the decision between titled and untitled land can feel overwhelming, especially for first-time homebuyers.

Each option offers distinct benefits, and the best choice often depends on individual circumstances and goals.

To help illustrate how these options might align with your personal situation, we’ve crafted a few hypothetical scenarios.

These examples aim to simplify the decision-making process, offering perspective and clarity as you embark on your home-building journey.

Sophia’s immediate move-in plans:

Sophia wants to move into her new home swiftly. She has a job transfer arranged and hopes for a rapid transition into her new community.

Titled land suits her needs perfectly, facilitating quick construction without waiting delays.

James and Emily’s long-term financial plan:

As they prepare for buying their first home, James and Emily desire financial stability.

They appreciate having extra time to save and explore financing options, making untitled land a suitable choice.

Olivia’s customisation journey:

Focused on personalisation, Olivia seeks flexibility to select finishes that reflect her taste.

Untitled land grants her more planning time, ensuring her home fits her lifestyle perfectly.

Liam’s quick investment return goal:

Liam, an investor, is looking for a prompt return on his property investment.

Titled land offers immediate construction, enabling faster market entry in line with his investment strategy.

Optimise your next steps with expert guidance and discounts

Choosing between titled and untitled land doesn’t have to feel overwhelming.

The Homebuyers Centre specialises in helping first-time buyers with comprehensive services from finance options to land and home selection.

“We educate them on where their financial situation is, then make sure that we’re presenting something that works within their budget and their time frame,” Blake says.

Consulting with their experts can provide clarity tailored to your unique goals.

The Homebuyers Centre also offers incentives and programmes to assist buyers in purchasing house and land.

Currently, they are offering savings of up to $12,500* on new home builds when purchasing titled land.

“With that $12,500 they can choose what upgrades they want to do to the house,” Blake says.
“It’s not about us telling them what to do with the discount; it’s about letting them upgrade what’s important to them.”

This limited-time offer ends on 30th May 2025. Interested buyers are encouraged to contact a new homes consultant to take advantage of this opportunity.

Three steps to empower your buying journey

1. Explore Your Options Online:
   Visit the Homebuyers Centre’s website to browse available land options in your desired areas.
2. Book a Consultation:
   Schedule a meeting with a new homes consultant to discuss your needs and receive personalised advice.
3. Benefit from Expertise:
   Leverage programmes and incentives offered by Homebuyers Centre that align with your home buying timeline and budget.

Whether your path involves jumping into building with titled land or taking a planned route with untitled land, the journey becomes less daunting with reliable support.

Unlock these insights, reach out to Homebuyers Centre, and start making your homeownership dreams a reality today.

*Available to customers with Titled Land, who pay a deposit and sign a Preliminary Works Contract (PWC) between April 1, 2025 and May 30, 2025 at 5pm ADST and eligibility and restrictions apply. Customers must have finance pre-approval from a financial institution. Incentive is a price reduction of up to $12,500 applied to the base price of the selected home design. Customer requested changes, including changes to master plans, design options, upgrades or colour schemes variations, delays in signing required documents or developer, council or authority delays will void this offer. Offer is not stackable with any other discounts, incentives or promotions. This offer is not applicable to Medium Density homes. Homebuyers Centre reserves the right to update, change or cease this offer at any time. Images are for illustrative purposes only. To find out more, speak to a New Homes Consultant. The building practitioner is ABN Group (Vic) Pty Ltd. Trading as Homebuyers Centre CDB-U 49215.

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