Land Acquisition & Property Development Finance
Fast, flexible first and second mortgage finance for land acquisition and property development. Capitalised interest available to match your construction term.
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Funding from $250k
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Short 3 – 36 month terms
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First and second mortgage options available
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Ideal for those seeking funds to purchase a development site
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Is Land Acquisition & Development Finance?
Land acquisition and property development finance is a short-term loan used to purchase vacant land or development sites for future residential, commercial, or mixed-use projects.
Traditional banks often require presales, extensive financial documentation, and long approval times. Private lenders, like Private Mortgages Australia (PMA), focus on the value of your property and exit strategy, offering fast and flexible solutions.
This type of finance is ideal for:
- Securing development sites before lodging a Development Application (DA)
- Land banking for future development opportunities
- Commercial or mixed-use property redevelopment
- Bridging finance prior to construction funding
Why Developers Choose Private Lending
1. Banks often won’t fund vacant land
Traditional lenders typically require presales or strong financials. Private lenders consider the property and exit strategy, not just income statements.
2. Secure sites quickly
Property opportunities move fast. PMA provides quick approvals and settlements, so you don’t miss out.
3. Cover early development costs
- Site works and DA costs
- Subdivision expenses
- Feasibility and planning studies
Who is this loan for?
This loan may suit you if you are:
- A property developer acquiring a development site
- A builder securing land before construction finance
- A business owner purchasing land for a commercial project
- An investor land banking for future development
- Looking for fast settlement without presales
Example scenario:
A developer identifies a subdivision opportunity and needs funding to secure the land while waiting for DA approval.
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. 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.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Land Purchase & Construction Facility
Scenario
A property investor wanted to purchase a vacant block of land in Scarborough, QLD and construct a double-storey home. Traditional banks couldn’t provide short-term, flexible finance, and the borrower needed a fast settlement solution.
Why PMA
Private Mortgages Australia was able to provide a solution because of our flexible, asset-based lending approach. Unlike traditional lenders, we focus on the security property and the exit strategy, rather than relying solely on serviceability or presales. This allows borrowers to:
- Access short-term funding quickly to secure development sites
- Fund both land acquisition and construction in a seamless process
- Receive tailored loan structures that adapt to project timelines
- Benefit from fast approvals and settlements, reducing the risk of missing opportunities
Our experience with development projects means we can structure loans to meet the unique needs of property investors and developers, providing certainty when time-sensitive deals arise.
PMA's Solution
PMA provided a first mortgage to fund the land purchase. Once the land was secured, the loan was varied to include a construction facility, enabling the borrower to start building immediately. This approach ensured fast access to funds and a smooth transition from land acquisition to construction, all under one flexible lending arrangement.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
We love the phenomenal capital growth we have seen on our investment in AC Capital Trust....
John and Carol H - Balwyn VIC
2018-04-13 04:39:18
★ ★ ★ ★ ★
We found the PMA team to be polite, efficient and professional at all times. Venus, Shanta and Peter responded to any questions, followed up on delays and ensured settlement was achieved in a timely manner....
Vicki C, First-Time Borrower - New South Wales
2023-08-15 15:50:42
★ ★ ★ ★ ★
We appreciate all the efforts, in difficult and challenging circumstances. Your professional approach and ability to get the deal done has been much appreciated by all....
Simone - Gold Coast
2019-04-05 05:30:51
★ ★ ★ ★ ★
My experience with Brendan and Orlando is in the top order and their professionalism combined with their personal contact is a pleasure to be involved in and I won't hesitate doing business with them in the future. Thank you to everyone in Private Mortgages that has assisted in anyway....
Pat - Noosaville, QLD
2026-02-24 17:47:07
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
