Unicorn poo! Love it! There's coastal charges and bushfire threat charges now as well to factor in. I guess that would come back with the survey.
House and land packages are a bit of a myth. There just a marketing tool by builders. All the builders do, is the sales guys poor over land blocks and look at which of their houses will fit on it and call it a package. But, the process of buying, mortgage and building are the same as you just finding a block and selecting a house.
We built with a builder that offered a turn key package. So, everything was included such as painting, flooring and things. The advantage was that we knew it would all be done and came under the builders warranty. We were very happy with the result.
What you do need to be VERY aware of is that the price the builders initially quote wont be the final price. You need to allow for essential upgrades. For example, the initial price will only include a basic electrical package which is 1 socket per room. Now obviously you cant run a house on that, so, when you attend the pre start meeting, you go through every aspect of the build and decide on what upgrades you need. We actually didn't need very much other than the electrical and a few small bits, but still spent about 10k on the day - which you pay for there and then.
You also need to consider other costs. For example landscaping. This can be VERY expensive. I am convinced that turf growers in WA most be growing it in compost derived from unicorn poo and with solid gold gardening tools used as that can be the only justification of prices. Also, check things like conditions in the land title unique to the area. For example, our area required that party walls separating our garden from neighbors were made of limestone blocks - colour bond fencing is banned. That cost another 20k.
On the mortgage front, the build side is separate from the land side and so while the house is being built, the builders will draw down the mortgage at fixed stages. So, you are not paying the full mortgage until the very end when you get the keys. I think ours was something like 10% on completion of laying slab, 10% on plate hight, 20% on the house being sealed with doors, windows and roof and the rest on completion.
There is an excellent thread that a few of us wrote while we were building http://www.perthpoms.com/forum/renti...en-thread.html