Hello, better to spend a little time searching for a plot of land and save really well that way. If the plot is bought separately, let's say for €150,000, you only pay land transfer tax on the €150,000, at 6% = €9,000 no matter what the house costs afterwards. But if you buy house and land together, the costs are €24,000. The €15,000 could then be better invested in the house. Regards