Solutions / Development
Land Finance Australia
Capital to secure and hold development sites ahead of execution
Overview
Control the site while the planning catches up.
Senior land acquisition facilities for securing development sites before DA approval or construction commencement. Fast settlement certainty in competitive markets, with clear exit to development finance or sale.
Best For
- Site acquisition ahead of DA or planning approval
- Land banking for future pipeline projects
- Developers requiring fast settlement certainty in competitive markets
Key Features
- Fast settlement certainty for site acquisition
- 6-24 month terms to allow planning and approvals
- LVR up to 75% of land value
- Loan sizes from $250k to $10m
- Exit to development finance, sale, or refinance
- Interest capitalised or serviced
Parameters
Eligibility criteria
Property Type
Development sites, infill land, broadacre
LVR
Up to 75%
Minimum Loan
$250,000
Maximum Loan
$10,000,000
Term
6-24 months
Location
Metro and major regional Australia
Pricing
Indicative fees
Indicative only. All pricing is set by the lender and subject to credit assessment, security quality, and borrower profile.
Establishment Fee
2-3%
Of loan amount
Interest Rate
10-14% p.a.
Capitalised or serviced
Exit Fee
Nil
No early repayment penalty
Checklist
Required documents
01
Borrower ID
For all directors/trustees
02
Entity Documentation
Trust deed, company extract
03
Contract of Sale
For the land acquisition
04
Land Valuation
As-is value
05
Planning Summary
Zoning, potential yield, pathway
06
Exit Strategy
Development plan or sale strategy
All applications subject to credit approval. Clear exit strategy required.
Can I get funding before DA approval?
Yes, land finance facilities are designed for pre-DA acquisitions. Facilities are arranged based on current land value and development potential.
What is the typical term?
Land finance facilities typically run 6-24 months, allowing time for planning, approvals, and transition to development finance or sale.
What is the exit strategy?
Common exits include refinancing into development finance, selling the site with DA, or bank refinance once approvals are in place.
How fast can you settle?
Settlement certainty within 2-3 weeks is typically achievable for straightforward transactions with good security, subject to lender approval.
Coverage
Land Finance by Location
Find private lending services across Australia's major cities and suburbs.
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