If you’re considering purchasing a new property, but weighing up the benefits of House and Land (i.e. purchase land and fund construction) vs Off-the-Plan (settle on completion), I would suggest the following should be considered: 1. You will save stamp duties with off the House and Land options (as only required to pay stamp duties on the land value), but you will still need to cover holding costs on construction interest, which should break after approximately nine months o