How It Works
A clear, three-party shared equity arrangement designed to get you building on your land — fast.
A clear, three-party shared equity arrangement designed to get you building on your land — fast.
Our structured process takes you from vacant land to a completed single or double storey home in just a few steps.
You must own a titled, vacant block of land in metropolitan Victoria valued at $400,000 or less. You'll also need 5% of the construction price in liquid funds as your deposit. Both owner-occupiers and investors are welcome.
You contribute your 5% deposit. ZPP contributes up to 15% of the construction cost as shared equity. Your lender provides the remaining construction loan. On a $500,000 build, that's $25,000 from you, $75,000 from ZPP, and $400,000 from your lender.
You sign a building contract with a ZPP-appointed builder. Construction begins on your single or double storey home with a target completion within 6 months.
Once built, you own the property outright in title. ZPP holds a proportional equity stake. Your ongoing obligations are simple: maintain the property in good condition and keep it insured.
When you're ready, choose one of three exit pathways to fully own or transition out of the arrangement — on your timeline.
A clear, transparent structure based on a $500,000 construction price.
5% deposit from liquid funds
Up to 15% equity contribution
Remaining construction finance
Flexible ways to increase your ownership or transition out — on your terms and timeline.
Make structured, manageable repayments from savings over time to gradually increase your equity share. Maintain ownership throughout while fulfilling your obligations to ZPP.
Purchase ZPP's remaining equity stake through additional lending. Gain full independence and secure complete ownership of your asset in one move.
Sell on the open market for a full exit. Leverage the market value and realise capital gains — shared proportionally with ZPP — and transition out of the arrangement.