DH and I are looking at purchasing 3-5 acres of land, and then building. Providing everything goes well our land should be ready to go in 18 months (it's still being subdivided) and we have the possibility of being able to put a deposit on it in the mean time to hold it for us. It's our dream. This will probably be our last "housing" venture and the place we end up staying for the next 20+ years.

I know in the long run it will be worth it but obviously things at the start will be tight. Do-able, but tight. We are dead set keen tho!

We are hopefully looking at keeping our loan under the 400k mark. Which is also totally do-able with the $ this house owes us (we hope)

What I need to know is, the fee's.... I understand there is a fee for selling our current house. Do we pay GST on the sale of our house as well?
And then what fee's are involved with the purchase of property (obviously good ol' stamp duty..) and then building the actual house (it won't be a land and house package). But what else?

We've made a sort of "budget" to try and work out how much money we need to put where, but we aren't really 100% sure on where it all needs to go!

If there are any ex realty gurus out there, I'd love for you to give me the low down