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Let’s get right to the point. Property in Australia doesn’t come for cheap.
As some of you might already know, even though it is a huge continent, most of the population lives only on the coast. And land in those areas is out of reach for most people.
The coast has all the glimmer and glamour. It houses all the big cities of the country and the center of the continent is nothing but a massive desert.
Featured Image viaGez Xavier Mansfield@gezxaviermansfield
This creates a steep difference in the price of land only over a few kilometers. While Sydney’s land price can be as high as a thousand US dollars for a square meter, just a few kilometers it can only cost you a couple of cents for a square meter of land.
This isn’t some magic or big real estate scheme. The logic is simple, Sydney is Sydney. All the facilities, the lifestyle, the area and the vicinity to vital necessities count. But with a booming economy and the fact that there is no more room in the coasts, this scenario is about to change.
Where Cheap or Free Land Can Be Found? |Free Land in Australia
Contents
- Where Cheap or Free Land Can Be Found? |Free Land in Australia
- What’s the current scenario?
- Tasmania
- Current Listing Example
- New South Wales
- Current Listing Example
- Victoria
- Current Listing Example
- Queensland
- Current Listing Example
- Western Australia
- Current Listing Example
- Final Words
- Related Articles
What’s the current scenario?
The government and the people of Australia want more development in the innards of the country and now have the ability and necessity to span its population into the deeper regions of the continent.
This opens up an avenue of free or cheap land in Australia that will someday be a part of expensive Megacities like Melbourne and Sydney. We are just at the right time and right place to witness a boom in evaluations of properties in that region.
A smart investor would take this as an opportunity, and if you are here reading this article then you are probably one of them. You, of course, want to find some of these golden lands in Australia and have begun your search here on the internet.
But looking up for places like these can be a tedious task. So, we’ve come up with some places and lots throughout Australia where you should keep your eyes on.
This guide is not to list definitive plot lands [although, we’ve listed good examples that are up for sale] but to hint you where to look for.
Tasmania
Tasmania is an island state of Australia. Being a separate landmass, it didn’t see as much of development as Australia’s mainland did.
But that is changing now. With the population surging in mainland’s coastal areas, the Tasmanian province is witnessing a revamp in its housing and settlement real estate sector.
We are not late to the party though, the projects are relatively new but promising.
Many companies are even doing full-time renovation and home building work which appreciates the value of the house greatly like 5-Star Builders, which has been operating for over 5 years now. They are one of the most successful builders in Sydney and other major cities.
Towns in Tasmania are even now well equipped with good roads, schooling, medical care, and there are many promising projects happening as I write this. Because of that, people are already flocking in the state.
There are some mid-range housing projects with establishments already present that you can buy property and land in, but the most attractive offers are the ones that are just starting out.
Image viaDavid Clode@davidclode
Current Listing Example
Tasmania proves to be of great promise and it has tons of free land and cheap property if you are willing to invest now. This kind of growth is not volatile or unexpected. Most provinces in Australia saw a similar kind of trend in history.
With this confidence, I started to look for lands I could find in Tasmania which are dirt cheap and show some good promise. I came across many areas through my research.
One of such areas is the Grenfern region in Tasmania. The piece of land I am talking about costs about 50 cents per square meter which is dirt cheap compared to something like Sydney ($1000 per square meter) or the next most expensive city Perth ($700 per square meter).
It is a part of the New Norfolk establishment and is about 50 kilometers away from the Hobart CBD. Many nearby land areas in Grenfern are envisioned as development projects by building companies. Land pricing there is expected to soon rise in value as there’s a significant number of prospective buyers.
Since it serves as such an excellent investment opportunity, it seems like a no-brainer to me. The driveway is already graveled and the land has cleared house site.
I am only laying this example of a 13 hectares investment window only to signify how mind-bogglingly low the prices can be, even with such a huge green light on development. Whatever your reasons might be looking for property in Australia, this is a must-have.
New South Wales
New South Wales is not new to development like Tasmania. Its state capital is Sydney – one of the most iconic and wealthiest cities of Australia.
Land prices in the coastal region of the state are off the charts. Even to get a decent piece of land in or around bay cities can cost you hundreds of thousands of dollars.
But away from the glimmer and high price of the coastal cities of NSW, lies the interiors of the state, where the land is sold off for cheap or for settlement contracts to develop the state further into the main landmass. The situation is similar to what I have mentioned before.
Some of the projects in NSW go so cheap that you can pick up a block worth of land just for $15,000 or so. Although the piece of land might not seem interesting at the first look, it’s sure to appreciate in value in the coming years because of the new neighborhood projects popping in and the government pouring money in such projects.
The properties are spread all across the western region of New South Wales – from Helensburgh to Euabalong. You just have to choose a pick and a deal that seems nice to you.
Image viaGhiffari Haris@ghiffariharis
Current Listing Example
One example that I have dug up is a land property that I found in Mudgee, NSW. The 10-hectare land property that I am looking at is listed for $29,950 on a real estate site of Australia. If we do the Maths right then it’s just 30 cents per square meter.
It is just 4 hours from Newcastle. That may not sound so promising but the indication has the surrounding township will grow exponentially in the coming years. Mudgee is already a township with all the basic amenities sorted.
All the other plots I’ve looked in the state look promising as well. Although most of the properties are not very habitable yet but has great promise, I did find some neighborhood projects which might be of interest if you are looking for a house that you can move into now.
Victoria
Victoria lies at the bottom right of the map. It is at the bottom of New South Wales and is a beautiful state of the more active southern region of Australia. Most of the population living in the state are concentrated at the area surrounding the Port Phillip Bay.
It is a beautiful province with some of the most breathtaking coasts that the entire country boasts, including the famous city – Melbourne. Living in Melbourne is really expensive because it houses the majority of the population.
It’s so ridiculous that this year the prices even made headlines. It’s so pricey that the cost to build a home even in the suburbs can make you shell out over $300,000. In 2022 alone, it is expected to rise over 41%. Obviously, it makes housing in Melbourne inaccessible to most.
But now, Victoria is trying to develop the inner regions of the state following the surge of building projects in the entire country. Of course, that means that we have some golden investment opportunities in the state.
Many realtors are flocking to the remote places as they smell a huge increase in customers in the region. I mean, who can blame them? Seeing the price of housing in Melbourne, it explains why people are looking for further away places to settle in. It is just a matter of common sense.
By the looks of it, it shouldn’t even take half a decade before some of the major settlement projects complete. That means a mass of population flocking in new townships and major growth in the evaluation of the property that can be bought for dirt cheap right now.
Image viaCassie Lafferty@c_lafferty
Current Listing Example
I dug up one such example in Victoria, Cape Clear.
Cape Clear is a sleepy farming village. But don’t let that fool you. It is one of the hottest new places destined for big projects and a huge surge in population.
Cape Clear is not remote or inaccessible. It is located close to Ballarat. It is just 30-minute drive away from the city and it’s just about an hour away from Geelong – one of the biggest cities of the state.
This makes Cape Clear be a clear winner of the investment opportunity competition. The estimated land price in Cape Clear varies from $1.96 to $2.20 per square meter. Of course, that is dirt compared to the price of land in Melbourne.
One thing that makes this land so attractive to me is how accessible the nearby cities are. If you want a life of quiet and peace then it’s not just a great investment window but a great lifestyle for you as well.
Queensland
Queensland lies on the northern side of the country and happens to be one of the most crowded provinces. Cities like Brisbane and Gold Coast bear millions of people, enjoying the beautiful lifestyle the cities have to offer.
Brisbane is the third most populous city in the country. Not only that but Queensland has three of the most populous cities of the entire country, namely, Brisbane, Gold Coast, and Sunshine Coast.
With such a magnanimous population, the price of a new house or land in Brisbane has skyrocketed to the unaffordable territory for everyone except the wealthiest. Even getting a house in the suburbs can cost you more than $500,000.
The story remains the same in other cities of the state as well. Many of the real estate homes in Gold Coast would cost more than a million dollars. Still, that is not surprising given the quality of lifestyle, the neighborhood, and all the facilities you can avail.
But now that the coastal cities are blistering with life and bear heavy population, the population is trying to shift more inwards for a more affordable lifestyle.
It may seem impossible to get a piece of usable land in Queensland after looking at the prices in Brisbane or Gold Coast. But in the interior of Queensland, you can get properties for dirt cheap prices. It boggles my mind to look at the steep drop the prices take over just a few kilometers.
Image viaGilles Rolland-Monnet@gillesrollandmonnet
Current Listing Example
There are many promising lands in Queensland, which can prove to be some of the best investment opportunities. One such example would be Tara where you can get land for as cheap as 18 cents per square meter.
Tara already has a hospital and a train station, and according to the listing, is equipped with phone and power lines.
Looking up properties in Tara online, I found one that is 12-hectare big and is just 2 hours of drive away from Toowoomba. And this huge mass of land is up for sale only for $22,000.
Obviously, it’s not yet fit for living for many but we’d not be surprised that in half a decade this will be a full-blown township by looking at the rate of progress. What this stands to be right now is an amazing investment window. This price of land is destined to rise multiple folds in the coming years.
I’m just providing an example here. People must have already taken hold of that property by the time you are reading this, but that doesn’t mean that all the options are gone. Queensland has dozens of such land listings and as I write, more are bound to come up.
So, if you are looking for the cheap property then you can as well keep a look at Queensland.
Western Australia
Till now we have been talking about the more crowded states of the country where you can still find great deals on land. But now we are going to channel our inner miners and discuss the situation in Western Australia.
It is the largest state in Australia and still inhabits only 11% of the total population. Most of the people live in the south-western region of the state. Around 79% of the population of the state lives in Perth and the region surrounding it.
As you might already know, Perth is not only a crown jewel of Western Australia, but it’s also one of the most important cities in the whole continent. It is also the second most expensive city to live in.
We began the discussion of Western Australia with Perth because we needed to understand the situation. Now that the southwestern region is so overcrowded, the population and realtors are looking to move more towards the interiors of the state.
Of course, that boils down to one question. Whether or not there is some deal we should peek at? The answer to that is YES! Thousand times yes! Let me give you an idea with an example.
Image viaJosh Spires@drone_nr
Current Listing Example
And that simple example would be Quairading. It is just 2 hours of drive away from Perth and comes in close vicinity to the township of Badjaling.
You are also close to the town of Quairading where you can find a library, a swimming pool, and a supermarket.
That may not sound too much, but it is the promise that we are looking for. Of course, with this vicinity to prime townships and to Perth itself means that there are big projects on their way to revamp this town and build thousands of houses.
This 34 hectares of land in Quairading comes for only 21 cents a square meter. Compare that to $700 per square meter in Perth. And soon it’ll be like that. Of course, that’s why it’s such an exciting investment option.
Many of the new Australian cities started in a similar fashion. With little to nothing at first and then people flocking in to get cheaper accommodation. At this moment we are witnessing a very similar pattern.
Final Words
So, that’ll be it. A brief of the condition in all the states regarding cheap or free land. These examples are all up for sales at the time of writing.
But we used these examples just to paint the picture of how attractive these investment opportunities are.
The situation is simple. As coastal cities are getting more crowded, people are swarming to the innards of the country. Because of that, the realtors and builders are building new settlement projects all over the place, which in turn means that the land prices will skyrocket in the coming times.
But, luckily, as of now, they are cheap and/or free. You just have to look for the opportunity and take it.
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FAQs
Where is land cheap in Australia? ›
Cobar – a base metals and gold mining town in central-west New South Wales – is the cheapest place to buy farm land in Australia, according to the 2021 Rural Bank Farmland Values Report.
Is Australia offering free land? ›A town in Australia's Queensland is giving away free land via government grants in a bid to boost housing. The town of Quilpie, located about 873km from Brisbane, has around 800 residents and 46-council owned properties.
How much does land in Australia cost? ›The Australian farmland value report which analysed data from 1995 onwards found the median price of rural land grew for an eighth year straight in 2021, a total of 123 per cent since 2014, and now sits just above $7000 per hectare.
How much does 1 acre of land cost in Australia? ›Elders' latest Rural Property Update shows price per hectare continued to rise in the last quarter of 2021, with the national median price per hectare increasing by 3.6 per cent. Year on year the rise was 18.4 per cent. The national median price of farm land is now $7635 per hectare or $3091 an acre.
Can I buy land in Australia? ›Yes, foreign residents, temporary residents, and short-term visa holders are allowed to buy investment properties and residential real estate in Australia, provided that they're granted permission to do so by the Foreign Investment Review Board.
How do I claim land in Australia? ›In Australia, squatter's rights are governed by the law of adverse possession. The basic principle here is that a person who occupies property for long enough can claim legal title to it, as long as the rightful owner doesn't object. In Queensland and New South Wales, the relevant period is 12 years.
How do I buy an abandoned property in Australia? ›Claiming rights over abandoned houses in Australia is possible if you've been living in such property under the rule of adverse possession. You'll have to prove you've lived there 12-15 years continuously (15 in South Australia and Victoria, 12 in the rest of the country).
What is the best state to live in in Australia? ›| 1 | Adelaide | South Australia |
|---|---|---|
| 2 | Brisbane | Queensland |
| 3 | Canberra | Australian Capital Territory |
| 4 | Hobart | Tasmania |
| 5 | Melbourne | Victoria |
...
Building costs per square metre.
| State | QLD |
|---|---|
| High range cost per m2 | $4,000 |
| 2017–2018 average floor area m2 | 231 |
| Low range total cost | $415,800 |
| High range total cost | $924,000 |
- Valencia County NM.
- San Miguel County NM.
- Lake County OR.
- Mohave County AZ.
- Cochise County AZ.
- Socorro County NM.
- Kern County CA.
- Apache County AZ.
How much does it cost to buy a house in Australia? ›
| State/territory | Home and contents | Home only |
|---|---|---|
| Victoria | $150.17 | $124.14 |
| Western Australia | $113.67 | $92.37 |
| ACT | $130.49 | $108.50 |
| Average costs | $136.73 | $112.21 |
InMyArea.com performed a study that took a look at the median prices per acre in 2021 and found that Arizona had the cheapest median cost per acre, at $4,164.
Can foreigners buy farm land in Australia? ›A foreign citizen can buy Australian farmland. Anyone can buy agricultural land for up to AUD 15 million (Australian dollars). Once an individual owns farmland worth AUD 15 million, he or she must obtain approval from the Foreign Investment Review Board before purchasing more land.
Where is the cheapest land in Western Australia? ›- Kelmscott 3.
- Perth 3.
- Millmerran Woods 2.
- Wanerie 2.
- Wattle Ridge 2.
- York 2.
- Ascot 1.
- Cooladar Hill 1.
In 2022, Vietnam was ranked as the most economical destination for first home buyers by the Annual Global Retirement Index. Vietnam saw a 50% decline in rent over the past year and housing prices do not drastically exceed the median income.
Where is the best place to buy land? ›- Impacts on Real Estate Market. We all know firsthand that 2020 and 2021 have been hard years. ...
- Florida. Full of sunshine and fun, Florida is a wonderful state to look for land for sale. ...
- Arkansas. ...
- Tennessee. ...
- Utah. ...
- Arizona. ...
- Oregon. ...
- West Virginia.
Charleville, QLD
Charleville takes the top spot as the cheapest place to live in Australia. The town is the perfect location if you love a small, quiet life and want to get away from the hustle of the city. Charleville is 8 hours from Brisbane by car and has a population of about 3000 people.
You can only buy new buildings or vacant land (and complete construction on it within four years) as a foreigner unless you plan to live in the property you buy. If you plan to stay in Australia as a temporary resident, you can buy an established dwelling.
How much does it cost to get Australian citizenship? ›The Australia Significant Investor Visa (SIV) is a residency-by-investment program that requires a financial commitment of at least AUD 5,000,000 that may be invested in a wide range of acceptable investments. It is currently processed between 12-24 months and may lead to Australian citizenship after 5 years.
How long can you use land before it becomes yours? ›Minimum time requirements – Before any adverse possession application can be considered you must have been using (or in possession of the land) for at least ten years.
What are land rights in Australia? ›
Land rights are rights created by the Australian, state or territory governments. Land rights usually consist of a grant of freehold or perpetual lease title to Indigenous Australians.
How do you legally claim land? ›- You have actual physical possession of the land. ...
- You have the intention to possess the land. ...
- Your possession is without the true owner's consent.
- All of the above have been true for at least 12 years if the land is unregistered or 10 years if the land is registered.
Check with Local Authorities
Make an appointment with the county clerk. You might be able to identify abandoned homes by going to the county clerk's office because the government keeps property ownership data. Inquire with banks to see if they have an inventory of houses under foreclosure.
The answer is yes, you can. However, purchasing an unoccupied and abandoned property may not be as straight forward as purchasing an occupied residential or commercial property.
What are squatters rights Australia? ›This means that if a squatter lives uninterruptedly in a property for over 12 years (15 in South Australia and Victoria) and against the wishes of the owner, the ownership of the property can be claimed by the squatter.
Which city in Australia has the most crime? ›According to data aggregating site Numbeo's international crime index, Australia's most dangerous city is Darwin, while this site rates Canberra as our safest city.
What is the safest place in Australia? ›Sydney prides itself on safety, deep culture, and friendly communities. It is considered the fifth safest city in the world and Australia's safest city. Like any other city, there is crime, just not as much. It is no secret that Sydney is a major city with a population of 5.2 million.
Which state has the lowest crime rate in Australia? ›Australia crime rates: Canberra
This city has one of the lowest crime rates in all of Australia. Canberra is also one of the safest cities globally, and the crime rate here is below the national average. According to data, the crime experienced by the city is very low.
The average cost to build a 3 bedroom house in Australia starts at $268,000. However, it is worth mentioning that this cost will increase depending on the storeys of the home and the materials used such as weatherboard vs. brick veneer.
Is it cheaper to build or buy a house in Australia? ›...
Total cost of building and land.
| City | Total cost of land and construction |
|---|---|
| Sydney | $857,638.50 |
| Melbourne | $701,758 $689,418 (first home buyer) |
How much does it cost to build a 4 bedroom house in Australia? ›
The average cost to build a home in Australia is between $2,000-$4,000 per square metre. However, the average cost to build a 4 bedroom house in Australia can realistically range anywhere from 230,000 to the low millions.
Why is some land so cheap? ›The reason that undeveloped land is so cheap is that the parcel has received a lack of investment, it's less profitable, and often involves more work for the landowner. In addition, undeveloped land may have poor utility access, easements, and strict zoning laws.
Why you should buy land? ›Land is a tangible investment and an asset that keeps increasing in value over time. Land ownership provides the owner with financial security and contentment. It has been in high demand as it can generate passive income, offer opportunities to earn, and let investors double their money without high risks.
Is it a good time to buy land 2021? ›From 2020 to 2021, there has been an increase of 155% in rural land sales. This growth is due to the stability that comes with purchasing a piece of land. There are many benefits of land investment, especially avoiding many of the complications that can come with other forms of investment.
How much is rent in Australia per month? ›| Food | |
|---|---|
| Monthly rent for 85 m2 (900 sqft) furnished accommodation in normal area | AU$2,045 |
| Utilities 1 month (heating, electricity, gas ...) for 2 people in 85m2 flat | AU$241 |
| Monthly rent for a 45 m2 (480 sqft) furnished studio in expensive area | AU$2,036 |
To build a 5 bedroom house you can expect to pay upwards of $4300 per square metre. If you want to know how much a second-story extension costs, expect to be charged anywhere from $1850 to $3300 per square metre, depending on the quality and price of the construction materials and inclusions.
What is the cheapest way to build a house in Australia? ›- Select an easy block of land to build on. ...
- Build in a less-populated area. ...
- Keep the size modest and the layout simple. ...
- Consider going modular or prefabricated. ...
- Opt for basic finishes and fittings. ...
- Consider opting for second-hand. ...
- Build a tiny home.
The state with the cheapest land in the U.S. is Wyoming, where one acre costs an average of $1,558. The state with the most expensive land in the U.S. is New Jersey, where one acre costs a whopping $196,410. The average acreage of property in the U.S. is 10,871 square feet, or a quarter of an acre.
Is land a good investment 2022? ›You might wonder, is buying land a good investment in 2022? The quick answer is YES! Of course, it may not suit all people, but investors who want to diversify their portfolio and make good profits must consider land. Land investment is a crucial real estate investment you want to know about.
How many acres is a football field? ›1 football field is roughly 1 acre. (The exact measurements of football fields vary.) 1 hectare = 2.47 acres. 2.47 football fields in 1 hectare.
Who owns the most land in Australia? ›
| Owner | Hectares | Rank |
|---|---|---|
| Rinehart-controlled companies | 9,206,121 | 1 |
| Australian Agricultural Company | 6,427,224 | 2 |
| Crown Point Pastoral Company | 5,212,768 | 3 |
| North Australian Pastoral Company | 4,891,389 | 4 |
An entire mountain in QLD has hit the market for the first time – and it comes with its very own view of picturesque Australian bushland. Aimed at nature lovers looking for an off the grid lifestyle, the 107.27 hectare lot on Gatton Esk Road, Mount Hallen, was listed at $620,000.
Where can I find cheap land in Australia? ›Cobar – a base metals and gold mining town in central-west New South Wales – is the cheapest place to buy farm land in Australia, according to the 2021 Rural Bank Farmland Values Report.
What state has cheapest land per acre? ›InMyArea.com performed a study that took a look at the median prices per acre in 2021 and found that Arizona had the cheapest median cost per acre, at $4,164. The data includes the price of land with existing homes and the cost of land designated as a homesite were also included so that you can have some comparison.
Where is the cheapest land to buy right now? ›So for both 1 acre and 5 acre plots, our cheapest states to buy land are New Mexico, Arizona, Mississippi, closed followed by Florida, Texas, Colorado, and Oregon. Some great news for you here is that at Compass Land USA, we do a lot of work in Colorado, Arizona, and Florida.
Where is the cheapest land in Western Australia? ›- Kelmscott 3.
- Perth 3.
- Millmerran Woods 2.
- Wanerie 2.
- Wattle Ridge 2.
- York 2.
- Ascot 1.
- Cooladar Hill 1.
Aboriginal people can only claim vacant government-owned land ("Crown land") under the Native Title Act and they must prove a continuous relationship with this land. "Freehold title" is land owned by individual owners, companies or local councils. Such lands cannot be claimed.
Where is the best place to buy land? ›- Impacts on Real Estate Market. We all know firsthand that 2020 and 2021 have been hard years. ...
- Florida. Full of sunshine and fun, Florida is a wonderful state to look for land for sale. ...
- Arkansas. ...
- Tennessee. ...
- Utah. ...
- Arizona. ...
- Oregon. ...
- West Virginia.
Land is a tangible investment and an asset that keeps increasing in value over time. Land ownership provides the owner with financial security and contentment. It has been in high demand as it can generate passive income, offer opportunities to earn, and let investors double their money without high risks.
Is land a good investment 2022? ›You might wonder, is buying land a good investment in 2022? The quick answer is YES! Of course, it may not suit all people, but investors who want to diversify their portfolio and make good profits must consider land. Land investment is a crucial real estate investment you want to know about.
What state has the most expensive land? ›
The state with the cheapest land in the U.S. is Wyoming, where one acre costs an average of $1,558. The state with the most expensive land in the U.S. is New Jersey, where one acre costs a whopping $196,410. The average acreage of property in the U.S. is 10,871 square feet, or a quarter of an acre.
Is it a good time to buy land 2021? ›From 2020 to 2021, there has been an increase of 155% in rural land sales. This growth is due to the stability that comes with purchasing a piece of land. There are many benefits of land investment, especially avoiding many of the complications that can come with other forms of investment.
Is buying land a good investment? ›Overall, buying undeveloped land is a great investment, no matter what year it is. But you have to understand that raw land investing is a long-term strategy and may not pay off right away. If you are looking for a quick payday or immediate cash flow, you're better off sticking to traditional investment properties.
How do I buy an abandoned property in Australia? ›Claiming rights over abandoned houses in Australia is possible if you've been living in such property under the rule of adverse possession. You'll have to prove you've lived there 12-15 years continuously (15 in South Australia and Victoria, 12 in the rest of the country).
How do I buy farmland in Australia? ›A foreign citizen can buy Australian farmland. Anyone can buy agricultural land for up to AUD 15 million (Australian dollars). Once an individual owns farmland worth AUD 15 million, he or she must obtain approval from the Foreign Investment Review Board before purchasing more land.
How can I claim land? ›- You have actual physical possession of the land. ...
- You have the intention to possess the land. ...
- Your possession is without the true owner's consent.
- All of the above have been true for at least 12 years if the land is unregistered or 10 years if the land is registered.
Minimum time requirements – Before any adverse possession application can be considered you must have been using (or in possession of the land) for at least ten years.
Do aboriginals get free land? ›The Land Rights Act provides for the grant of inalienable freehold title for Aboriginal land. Inalienable freehold title means that the land cannot be bought, acquired or mortgaged. Notwithstanding, certain interests that are granted, such as leases, can be mortgaged or used as collateral for a loan.