Staring at a prime plot but stuck waiting for approvals or cash flow? Land loans from Formation Finance turn raw acreage into strategic opportunity. Whether you’re land banking in Sydney’s growth corridors, refinancing a Gold Coast development site, or freeing equity from vacant land – we deliver 75% LVR, 3–24 month terms, and approvals that match your project’s rhythm, not a bank’s rulebook.
🔥 Why let idle land gather dust when it could fund your next move?
✅ Tailored for Developers & Investors:
Loan Amount: 50k–5M+
Max LVR: 75%* (residential/commercial land)
Term: 3–24 months (aligns with DA timelines)
No Income Docs: Focus on land value, not payslips
No DA Required: Secure funding before council approvals
Cash-Out Options: Access working capital for marketing, permits, or pre-sales
✅ Perfect For:
▸ Land banking – Secure growth corridors early
▸ Refinancing – Escape rigid bank terms
▸ Equity release – Unlock cash without selling
▸ Development prep – Fund surveys, zoning, or site works
“A Melbourne developer borrowed $1.2M against a rural plot, secured DA post-funding, and flipped the land for 2.3x profit within 18 months.”
[👉 Immediate Funding? Contact Our Private Lending Team Now]
Banks demand DAs and income trails. We see raw potential.
Approvals in 72hrs – Submit land details, not tax returns
Flexible Repayment – Structure terms around your DA timeline
No Pre-Sales Pressure – Focus on approvals, not off-the-plan sales
Land loans buy time to:
Finalise designs & zoning
Negotiate builder contracts
Secure pre-sales (if needed)
Turn dirt into dollars – without rushing
Assess Land Value (24hrs)
→ Share title details + loan purpose. No upfront costs.
Tailor Terms (48hrs)
→ Choose from 50+ private lenders – rates from 15% p.a.
Fund & Focus (72hrs)
→ Cash in hand; you tackle approvals while we handle paperwork.
Yes! We fund land banking – perfect for holding strategic sites until market conditions peak.
Up to 65%*, based on location and future zoning potential.
