Eyeing a prime block of land but held back by cash flow or pending development approvals?
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:
✅ Perfect For:
Example: “A Melbourne property developer borrowed $5.2M against a development site, secured DA post-funding, and flipped the land for 2.3x profit within 18 months.”
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.
| Development Site Loans | Construction Loans | Residual Stock/ Bridging Loans | Mezzanine Loans | |
|---|---|---|---|---|
| LVR (up to) | 70% | 70% | 70% | 75% |
| Loan Term | 3-24 months | 12-24 months | 3-24 months | 3-24 months |
| Rates (from) | 8.49% p.a. | 9.99% p.a. | 8.49% p.a. | 15.00% p.a. |
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.
