Land finance is funding secured against land - vacant or improved, residential, industrial, or commercial. It's used when the deal is about the land itself rather than what's being built on it: acquiring a site, holding it through DA and approvals, or breaking it up through subdivision before the next stage of capital arrives.
Most banks treat land loans as a stepping stone to construction and require borrowers to start building within a defined window - often twelve months. That's a hard constraint when DA processes drag, market timing shifts, or the development plan needs to evolve. A non-bank land facility removes that clock. The loan term is built around the land strategy itself, not a construction milestone the borrower may not hit.
At CPF, land finance is asset-led. We focus on the location, zoning, expected end value, and the borrower's exit strategy - not on detailed serviceability or rolling income tests. Loans are available to individual, company, and trust borrowers, with takeout funding available on the back end where the project moves through to completion.
Acquire
and hold land without a construction-start deadline Up to 70%
on land purchase plus 100% of project costs where applicable No
pre-sales required to settle the loan
Capitalised interest - no monthly debt servicing during the term
Funds
residential, industrial, and commercial land Takeout
funding available when the project completes
Funding to purchase a site quickly - DA-approved, DA-pending, or strategic landbank. Used when timing acquisition matters.
Funding the civil works and subdivision of land into sellable lots, from two-lot suburban splits up to larger subdivisions.
Hold a site while planning approvals progress without the pressure of a construction-start deadline or a forced sale.
Secure land as a longer-term strategic asset held for future development, rezoning upside, or sale - with flexible terms.
Submit your scenario for assessment or speak with our team about land finance for your next acquisition or subdivision.
Funding solutions designed for property developers, investors, and brokers across Australia.
