This is not an answer to your question as such, but just something else to consider with regards to building a house. I'm not sure if you've ever built one before, and if so, I'm sorry for telling you stuff you already know, but building always costs more than the house price + land + fees. While the builders always include a 'footings allowance', in both our experiences it has cost us much more than that - 20k the first time and 15 the second. You've also got floor and window coverings, landscaping, air con ect on top of the standard house price. The house price also often doesn't include lots of things you'd want in your house like built ins, in some cases overhead cupboards in the kitchen, down lights and many other things. I think in this house we paid almost 50k in 'upgrades'. That being said, building is great, if that's what you decide to do, but maybe get a specific quote from a builder if you want to seriously consider that option, or if you want to convince your partner otherwise