Land/Property Finance

Why use PMA to finance your land or property purchase:

  • You’re a property developer seeking funds to purchase a development site
  • You can’t showcase serviceability but the project is feasible
  • You need land-only finance, with current or future plans for construction financing
  • You don’t have 100% debt coverage with presales

Land/Property Finance Loan Terms

Loan Amount

Up to $5M (1st Mortgages) and $2M (2nd Mortgages)


Up to 65% of the ‘as is’ value for land, or up to 75% with inhabitable improvements (max. LVR for major metro residential property, other security at lower LVRs)


1st Mortgages & 2nd Mortgages


3-12 months + Extensions

Land and Property Finance

If you're a property developer seeking funds to purchase a development site, then Private Mortgage Australia is the lender for you. Mainstream banks and lenders are often reluctant to get involved in land acquisition funding, however, private lenders like PMA will look at the bigger picture. If the property developer is able to secure the loan with the property then a short-term private loan is usually a good option.

Banks and other traditional lenders typically rely heavily on the feasibility of the proposed development and will usually require 100% of debt cover in pre-sales. Because the ability to repay a development loan depends upon the successful sale of the lots, a lender must be satisfied a developer will be able to sell enough units prior to development funding being made available.

However, private lenders don’t usually require 100% debt coverage in order to consider a loan.

Lending Process


Complete our
Quick App Form


Book a Call
with our head of relationships


After receiving the Application we’ll develop an Indicative Letter of Offer which includes an indicative interest rate.

Once the Offer is accepted a small assessment fee is charged to cover the searches we do in due diligence.


Once we’ve completed our due diligence, we’ll send a formal Letter of Offer. Once signed the loan documents are drawn up and sent to the Borrower’s solicitor.


Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the Borrower.

Referrer fees are paid within 24 hours from settlement with no clawbacks.

We endeavor to make this process as quick as possible and can settle within 5 days upon receipt of all outstanding information.

Our Other Private Lending Solutions