Land Banking Finance
Secure strategic development sites for future projects. Land banking finance provides the holding power to acquire sites before development timing is right.
Key Features
Long-Term Holding
Terms up to 5 years for strategic sites
Pre-Approval Sites
Finance land before DA is obtained
Portfolio Building
Accumulate multiple sites over time
Exit Flexibility
Develop, on-sell, or refinance
Land Banking Finance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Brisbane Townhouse Development
The Scenario
A developer was undertaking a townhouse project in Brisbane but faced delays with bank pre-sale requirements.
The Challenge
The bank required 50% pre-sales on another project before approving new finance. The developer expected to achieve this within two months.
The Solution
Private development finance was arranged at 60% LVR with capitalised interest, bridging the gap until bank requirements were met.
The Outcome
The project commenced on schedule, pre-sales were achieved, and the developer transitioned to bank finance at a lower rate.
$540K
Facility
60%
LVR
Capitalised
Interest
Regional Victoria Mixed Development
The Scenario
A multi-stage development in Warrnambool comprising 7 townhouses and 15 apartments within a growing residential precinct.
The Challenge
Regional developments often face stricter lending criteria due to perceived market risk and lower pre-sale volumes.
The Solution
An $8.26M facility was structured at 80% LVR against valuation with more than 50% debt coverage through pre-sales across both stages.
The Outcome
The development was fully funded with a 12-month term, allowing completion without refinancing pressure.
$8.26M
Facility
80%
LVR
50%+ cover
Pre-sales
Mezzanine Finance After Builder Insolvency
The Scenario
A Brisbane-based developer's appointed builder went into administration mid-project, threatening the entire development.
The Challenge
Securing a replacement builder and additional funding while managing existing lender relationships and project timelines.
The Solution
Mezzanine funding was arranged drawn simultaneously with senior debt restructuring and execution of a fixed-price contract with the new builder.
The Outcome
The project was completed successfully with the replacement builder, protecting the developer's equity and investor returns.
Mezzanine
Structure
Completed
Outcome
Protected
Equity
Client Testimonials
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“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
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Home Loan
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Nayer G.
Investment Property
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Start ApplicationStrategic Land Acquisition
Land banking involves acquiring development sites ahead of when you plan to build. This strategy secures sites at current prices, allows time for approvals, and aligns development timing with market conditions.
Unlike short-term bridging loans, land banking finance is designed for longer holding periods with terms up to 5 years.
When Land Banking Makes Sense
Land banking suits developers who identify sites with future potential that are not ready for immediate development. This could be due to planning approval timeframes, infrastructure timing, market cycle positioning, or accumulation strategies.
The finance structure needs to accommodate the longer holding period with appropriate interest management and exit flexibility.
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Frequently Asked Questions
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