Lenders treat land differently from an established home. Deposit requirements are often higher, and policy depends on zoning, size, services and how soon you plan to build. We match your block and your timeline with lenders whose policy fits, so your land purchase sets up the build rather than complicating it.
Who it suits
Buyers purchasing residential or commercial land for a future build or another approved purpose.
Common purposes
- Residential land in a new estate or established suburb
- Commercial or industrial land
- Land now, with construction finance planned later
What we work through with you
- Zoning, services, block size and location
- Your intended use and when you plan to build
- Deposit and lender loan-to-value limits
Documents to have ready
- Contract of sale
- Evidence of deposit
- Proof of income and details of existing debts
- Your intended use and build timeframe
How we work
We start with a conversation about what you are trying to achieve and your timing. We then gather the information lenders will ask for and assess suitable options from our approved lender panel and relevant specialist channels. Before anything is lodged, you will know the costs, the trade-offs and why we are recommending an option. After that, we manage the application through to settlement.