Land bridging finance applies short-term bridging principles to land specifically. The loan is secured against the development site itself - vacant or improved, residential or commercial - and structured around the event that will repay it: most often the settlement of construction finance, the issuing of DA approvals, the receipt of partner equity, or the sale or refinance of another asset that's been earmarked to fund the next stage.
Most land deals carry timing risk. DA timelines slip, valuation cycles run longer than expected, construction lenders take weeks to commit, and partner equity often lands later than promised. When any of those gaps opens up, a land bridging loan keeps the project on track - without putting the long-term arrangement at risk through forced sale, missed deadlines, or having to start the senior facility from scratch. Interest is capitalised so there are no monthly repayments during the bridge, and the loan can sit alongside an existing land facility as a second mortgage if one is already in place.
Land bridging is distinct from the broader CPF Land Acquisition Finance product, which is structured for longer-term land funding - up to 24 months - and used as the primary facility through DA, holding, and feasibility. Land bridging is a short-term tool for the gap between events. Where the deal needs a primary land facility rather than a temporary bridge, the acquisition product is usually the right fit; where it needs short-term cover until the next funding lands, this is.
Hold a land position while construction finance is being arranged Bridge the gap between DA approval and the next funding stage 1st or 2nd mortgage - keep an existing land facility in place Capitalised interest - no monthly debt servicing during the bridge Asset-led assessment - no tax returns or full serviceability test Funds residential and commercial land Letter of Offer in 48 hours, settlement within 7 days of docs Available to company and trust borrowers
Site is approved and ready to build, but the construction lender's timeline runs past when the deal needs funding.
Land is owned or being acquired, DA is in late-stage assessment, and the next funding stage depends on approval.
Partner equity contributions, asset sale proceeds, or external capital are committed but not yet received.
Existing land loan is approaching maturity but the project isn't yet ready for construction finance. Bridge covers the gap.
Submit your scenario for assessment or speak with our team about land bridging finance for your next site.
Funding solutions designed for property developers, investors, and brokers across Australia.
