Land subdivision finance is development funding designed specifically for the civil works phase of a project - the stage where a single parcel of land is divided into multiple individually titled lots ready for sale. Typical costs covered include site preparation, sewer and water connections, roads and access, stormwater works, council contributions, surveying, and the cost of getting new titles registered.
At Commercial Property Funding, the structure is built around the project itself. Funding covers up to 70% of the land value plus up to 100% of approved project delivery costs, with drawdowns released in line with civil works milestones. Interest is capitalised into the facility - there's no monthly debt servicing during the term - and pre-sales are not required. That's a meaningful difference from bank-led subdivision lending, where pre-sale targets often delay the start of works or force developers to discount to hit them.
Assessment is asset-led and project-focused. We work through the feasibility, the development approval, the project program, and the exit strategy - typically the staged sale of registered lots, a refinance, or a transition into the next CPF facility if construction follows. Loans are available to individual, company, and trust borrowers, including SPVs structured for the project.
Up to
70% of land value plus 100% of project delivery costs No
pre-sale requirements - start civil works without contracts in
place Staged
drawdowns aligned with civil works milestones
Capitalised interest - no monthly debt servicing during the term
Funds
two-lot through to larger staged subdivisions
Takeout funding available once the project completes No
brokerage clawbacks - broker commissions stay paid
Suburban splits, dividing an existing larger lot into two or three separate titles. Often a first project for new developers.
Multi-lot residential subdivisions delivered in stages, with civil works funding released as each stage progresses.
CPF funds civil works on shovel-ready projects—no pre-sale targets, no bank timelines to wait on. With your DA in hand, you can break ground now.
When an existing subdivision facility is approaching maturity and works aren't yet complete, refinance to a new facility.
Submit your scenario for assessment or speak with our team about subdivision finance for your next project.
Funding solutions designed for property developers, investors, and brokers across Australia.
