Land Acquisition Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for land acquisition finance, development land finance and site purchase funding across Australia.
Is this your situation?
Land acquisition finance is often needed when a borrower is purchasing or refinancing land for future development, subdivision, construction or resale.
You are buying development land
Funding may be required to secure a site before DA, subdivision or construction.
Settlement is approaching
Private lenders may assist where fast settlement is required.
The bank will not fund the purchase
Banks can be conservative where the land is vacant, non-income producing or pre-development.
You are buying before approval
Funding may assist before DA approval, rezoning, subdivision or project approval.
You need to refinance land
An existing land or private facility may need refinancing while the project progresses.
You need a future exit strategy
The exit may be sale, refinance, DA approval, subdivision or construction finance.
What is land acquisition finance?
Land acquisition finance is private funding used to purchase or refinance land intended for future development, subdivision, construction or resale.
Why land acquisition can need private funding
Development land can be difficult for banks where the site has no income, no approval, no construction start date or does not fit standard policy.
Where private lenders can help
Some private lenders can assess land acquisition based on site value, zoning, location, LVR, borrower contribution and exit strategy.
Why banks often decline land acquisition finance.
Banks can be conservative where the land is vacant, early-stage, non-income producing or not yet ready for construction.
Banks commonly decline because of:
- Vacant or non-income producing land
- No DA approval yet
- No construction contract or presales
- Zoning or planning uncertainty
- Servicing does not fit policy
- Short settlement timeframe
- The scenario does not fit standard bank policy
Private lenders approve based on:
- Current land value
- Location and zoning
- Development potential
- Loan-to-value position
- Borrower contribution and equity
- Planning or future project pathway
- Clear sale, refinance or development exit
Common land acquisition finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Development Site Purchase
Funding to purchase a site intended for future development.
Pre-DA Land Acquisition
Funding before DA approval or permits are in place.
Subdivision Land Purchase
Funding to acquire land intended for subdivision or lot sales.
Construction Site Acquisition
Funding for a site that will later move into construction finance.
Commercial Land Acquisition
Selected private lenders can consider commercial or industrial land purchases.
Land Loan Refinance
Refinance of an existing land or site acquisition facility.
Urgent Land Settlement
Fast private funding where a land settlement deadline is approaching.
Exit via DA or Sale
Funding where exit is DA approval, resale, refinance or construction funding.
Option or Contract Settlement
Funding where land has been secured under contract or option.
Land and sites private lenders can consider.
Every lender has different appetite. The goal is to match the land acquisition scenario with lenders that understand the site type and exit strategy.
Development Sites
Sites intended for future residential or commercial development.
Residential Land
Land intended for townhouses, duplexes, units or houses.
Subdivision Land
Land intended for subdivision, titles or lot sales.
Commercial Land
Selected commercial land acquisition scenarios.
Industrial Land
Selected industrial and warehouse development sites.
Mixed-Use Sites
Sites with residential and commercial potential.
Englobo Land
Larger land parcels with future development potential.
Infill Sites
Metro and suburban infill development opportunities.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but land acquisition scenarios need enough detail for lenders to understand the site, purchase and exit pathway.
Property Address
The land address and property details help lenders understand location and security.
Purchase Price
The purchase price, deposit paid, settlement date and required loan amount.
Land Size and Zoning
The land area, zoning, overlays and current planning position.
Current Value
Valuation, appraisal, contract price or comparable sales evidence.
Development Plan
The intended development, subdivision, DA pathway or resale strategy.
Exit Strategy
Sale, DA approval, refinance, subdivision, construction finance or other repayment pathway.
Case study: development site acquired with private funding.
A borrower found a well-located development site but needed a fast settlement that did not suit bank timing.
The bank process was too slow and the borrower risked losing the site.
The scenario was introduced to a private lender that assessed the contract price, land value, zoning and refinance/development exit.
The borrower settled the purchase and progressed the site toward planning and future construction funding.
Case study: land acquired before DA approval.
A developer wanted to acquire a site before DA approval was in place.
The bank was not comfortable because the site was vacant and the development approval had not yet been issued.
The scenario was matched with a private lender that assessed the land value, equity contribution and future DA/refinance exit.
The private facility allowed the borrower to secure the site and continue the approval process.
A simple process designed for fast scenario assessment.
The goal is to get your land acquisition finance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about land acquisition finance.
Common questions from borrowers considering private funding to buy or refinance development land.
What is Land acquisition finance?
Land acquisition finance is private funding used to assist with purchasing or refinancing land for future development, subdivision, construction or resale.
Can private lenders help with land acquisition finance?
Yes. Private lenders can consider land acquisition finance where the security value, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where servicing does not fit policy, the project is too early, approvals are incomplete, presales are unavailable or the borrower does not meet standard bank criteria.
Can this funding be used before construction starts?
Yes. Some private lenders can consider funding before construction starts where the site, value, planning status and exit strategy support the loan.
Can this funding be used for consultant or planning costs?
Yes. Depending on the scenario, funding may assist with consultants, planning, permits, design, engineering, holding costs or other pre-development expenses.
Can this funding be used to buy land?
Yes. Some private lenders can consider acquisition or refinance funding secured against suitable land or development sites.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
How quickly can the scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project stage, value estimate and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, planning status, loan amount required, current value, estimated GRV, current debt and proposed exit strategy.
Can this help a borrower with limited development experience?
Yes. Some private lenders can consider less experienced developers where the project, equity position, consultants, builder, security and exit strategy are strong enough.
What is the usual exit strategy?
The exit may be sale, refinance, construction finance, DA approval, site sale, subdivision, bank refinance or another clear repayment pathway.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need finance to buy development land?
Submit the key details of the land, purchase price, settlement date, loan amount and exit strategy so the scenario can be matched with suitable private lenders.
Submit your land acquisition finance scenario.
Send through the key details of the land, purchase price, settlement date, loan amount and exit strategy.