Frequently asked questions. The answers to your success   

We derive our fee through the build component of your project. This is called a ‘builder’s margin,’ and it is built into the overall package cost, which is common practice across the industry. We work diligently with our trusted builder network to negotiate wholesale build rates, which allows us to secure competitive pricing for you. Our fee is paid to us directly by the builder from this margin, so you’re not paying any additional or separate fees to us. Importantly, the price you pay for the package always remains in line with market value.

We currently cover the Greater Brisbane Region (including Ipswich, Logan, Redland Bay, Moreton Bay, Plainland and Gatton) and key regions in Queensland including Toowoomba, Gold Coast, Sunshine Coast, Gympie, Hervey Bay, Bundaberg Gladstone, Rockhampton, Yeppoon, Mackay and Townsville.

The short answer is no. Beanstalk Property Investments specialise in two-part contracts, often referred to as off-the-plan builds or house and land packages. This approach involves you purchasing land and constructing a property, which typically offers much greater investment returns than buying a completed brand-new home or a one contract property.

Why don’t we recommend completed brand-new properties?
Completed properties are priced at a premium, meaning you’re paying for the developer’s profit on top of the construction and land costs. If you think about it, why wouldn’t the seller aim to sell at an absolute premium? Developers and sellers of completed brand-new properties are motivated to maximise their profit, often inflating the price to include their margins, marketing costs, and other overheads. This inflated pricing significantly reduces the potential for equity growth, making them less feasible.

By focusing on two-part contract properties, we are able to ensure our clients achieve greater financial outcomes. 

Building a brand-new property can offer superior financial returns, lower ongoing costs, and greater appeal to tenants and buyers compared to buying an established property. Please see why below:

• Higher Depreciation Claims: Significant tax deductions on the building, fixtures, and fittings.
• Equity Uplift Potential: Constructing a property with expert guidance can deliver you equity profits and high rental returns at completion.
• Lower Ongoing Costs: Minimal maintenance and repair expenses for years.
• Higher Rental Returns: Modern features attract quality tenants willing to pay premium rents.
• Low Vacancy Risk: Desirable, low-maintenance homes appeal to more renters.
• Higher Resale Value: Newer homes retain appeal and can achieve higher resale prices.
• Built to Modern Codes: Complies with current building and safety standards.
• Lower Utility Bills: Reduced energy and water consumption benefit tenants and owners.
• Smart Home Integration: Features like smart thermostats, lighting, and security systems.
• Safer & More Secure: Includes advanced fire alarms, safety switches, and security features.
• Modern Design & Features: Contemporary layouts and modern kitchens attracts more tenants and buyers.
• Move-In Ready: No need for renovations or upgrades.
• Better Lifestyle Amenities: Open-plan living, outdoor spaces, and modern conveniences.

 The rules surrounding the use of superannuation for property investment are strict and governed by Australian law. Here’s why house and land packages typically aren’t allowed:

Your SMSF cannot purchase a two-part contract house and land package under a Limited Recourse Borrowing Arrangement (LRBA) because:

SMSFs can only borrow to acquire a single asset – Buying land and funding construction under separate contracts creates two financial transactions, which breaches borrowing rules.

Borrowed funds cannot be used for construction – SMSFs cannot take out a loan to build; they can only borrow to buy an existing asset (like land or a completed house).

Loan security is restricted – Lenders require the asset securing the loan to be unchanged, but construction modifies the asset, violating SMSF lending rules.

To invest in house and land via an SMSF, you must buy a completed property, one contract property or fund construction entirely from available SMSF cash. Always consult a professional for compliance guidance.

Beanstalk Property Investments specialise in two part contract porperties as they are usually more profitable and generate better cashflow returns. One-contract properties are often not feasible for our clients’ needs.  Please see some of the key differences between the two types of purchases below.

Two-Part Contract Properties

• Definition: Separate contracts for the land purchase and the construction of the building.
• Common for: House and land packages, duplexes, and custom builds.
• Payment structure:
• Land Contract: The land is purchased first, requiring a deposit and settlement.
• Build Contract: Construction payments are made in stages (progress payments) as the build progresses (e.g., slab, frame, lockup etc)

One-Contract Properties

• Definition: A single contract that includes both the land and the building components.
• Common for: Apartments and townhouses.
• Payment structure:
• A deposit is paid at the time of signing the contract.
• The remaining balance is settled upon completion of the property.

To learn more about the advantages of two-part contracts and why we prefer this approach, please get in touch—we’d be happy to discuss.

An independent rental guarantee ensures a set rental income if a property remains unoccupied after purchase.

• Offered by property management companies, not developers.
• There are no hidden costs or margins built into the project or property.
• Usually includes a property management fee, while the guarantee itself is complimentary.

Be cautious of developers offering rental guarantees, as these can sometimes inflate the property price. Always verify that the rental guarantee is independent and ensure it is confirmed in writing for transparency. 

Always review the contract terms and speak directly to the company offering the rental guarantee to understand your rights and obligations.