Land acquisition finance is built around a simple reality - good sites move faster than mainstream approval cycles. When the contract is unconditional, the auction is on Saturday, or the seller wants a 30-day settlement, a borrower waiting on a full credit assessment is going to lose the deal.
Commercial Property Funding settles the acquisition against the site itself - typically as a first mortgage, with capitalised interest and no monthly repayments during the term. There's no construction-start deadline tied to the loan, so once the site is secured you have time to progress DA, run feasibility properly, organise design, and bring construction finance into line. Most facilities run six to twenty-four months, which aligns with how long it actually takes to move a site from purchase to build-ready.
Assessment is asset-led and commercial. We focus on the site, the zoning, the expected end value, and a credible exit strategy - usually a refinance to construction or longer-term funding, the sale of the land, or the progression of the project to its next CPF facility. Tax returns and rolling serviceability tests aren't required.
Settle on
the site quickly - when banks can't move in time No
construction-start deadline - hold the site through DA and
approvals
Capitalised interest - no monthly debt servicing during the term
Up to 70%
of the land purchase price funded Asset-led
assessment - no tax returns or rigid serviceability tests Available
to individual, company, and trust borrowers
Auction contracts are unconditional. Acquisition finance lets you bid and settle with confidence.
Secure a future development site now and hold it while value, zoning potential, or market conditions improve.
Buy the site while DA is still being progressed, then refinance to construction funding once approved.
Refinance a maturing land loan onto a fresh facility to hold position until you're ready to build.
Submit your scenario for assessment or speak with our team about land acquisition finance for your next site purchase.
Funding solutions designed for property developers, investors, and brokers across Australia.
