Home - Services - Land Loans
At Formation Finance, our land loans are tailored to help individuals and developers secure funding for vacant land purchases. Also known as land finance, these loans are typically secured against the land itself and are ideal for bridging the gap between acquisition and the start of construction.
Our flexible land loan solutions turn raw sites into real opportunities. Whether you’re land banking in Sydney’s growth corridors, refinancing a development site on the Gold Coast, or unlocking equity from unused land in Melbourne, we provide up to 75% LVR with loan terms from 3 to 24 months—crafted to suit your project, not constrained by traditional bank criteria.
✅ Tailored for Property Developers & Investors:
✅ Suitable For:
For land loans, we assess the asset quality and the clarity of the exit strategy. We want to understand how the loan will be repaid and whether the site is marketable within a realistic timeframe.
What we look at
Site fundamentals: location, access, shape, services (water/sewer/power), easements
Zoning & planning: zoning, overlays, permitted use, subdivision/development potential
Deal details: purchase price/valuation, contract terms, settlement timing
Security & leverage: proposed LVR, valuation approach, supporting security (if any)
Borrower profile: entity structure, relevant experience, overall capacity to execute
Exit strategy: sale, refinance after milestones, or next-stage funding pathway
Indicative terms are subject to valuation, due diligence, and final credit approval.
Borrower name(s) and entity type (individual, company, trust)
Directors/trustees details and ID (as required)
Current ownership structure and signing authority
Brief track record summary (prior projects, if any)
Banks demand income. We see raw potential.
1. Initial assessment and Indicative Terms (1-2 days)
→ Share property details and loan purpose. Get inidicative funding terms at no upfront costs.
2. Obtain final letter of offer (2-5 days)
→ Order valuation report and obtain funding approval.
3. Loan settlement (5-10 days)
→ Finalise loan documentation and receive funds/ property settlement.
Timeline for securing land loans from non-bank lenders can range from a few days to a few weeks.
When applying for a land loan, all you need to provide are the property address, your value estimate (subject to valuation report), loan amount required and loan purpose.
No. No income documentation or expenditure check is required.
Yes! We fund land banking – perfect for holding strategic sites until market conditions improve or rezoning/ Development Approval.
