Land Subdivision Finance Australia
Flexible Funding for Property Developers and Business Owners
Whether you're purchasing land to subdivide, funding development approvals, or preparing lots for sale, we can help structure a loan that fits your project.
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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 Subdivision Finance?
Land subdivision finance is a short-term property development loan used to divide a parcel of land into multiple saleable lots.
This type of funding is commonly used by developers and investors who want to:
- Subdivide residential land into multiple lots
- Unlock value from large land holdings
- Prepare development sites for sale or construction
Subdivision projects often involve several stages, including planning approvals, surveying, civil works, and infrastructure connections. Private lenders can fund these stages based on the project feasibility, land value, and exit strategy, rather than relying solely on traditional bank lending metrics.
Subdividing land can unlock significant value, but development projects often require specialised funding that
traditional banks may not provide.
Private Mortgages Australia offers short-term land subdivision finance for Australian business owners, developers and property investors looking to subdivide land for development or resale.
Our private lending solutions allow borrowers to secure funding quickly, move on opportunities faster, and finance
subdivision projects that may not fit traditional bank lending criteria.
Who is this loan for?
Private Mortgages Australia works with a wide range of borrowers involved in subdivision and development projects.
Property Developers
Developers undertaking residential subdivision projects ranging from small developments to multi-lot estates.
Small to Medium Property Investors
Investors looking to subdivide land to create additional saleable lots or development opportunities.
Builders and Construction Companies
Construction businesses securing development sites prior to building homes or units.
Landowners Unlocking Equity
Property owners who want to subdivide existing land to maximise the value of their asset.
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 65% 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: Subdivision Finance
Scenario
developer needed funds to progress a residential subdivision but was unable to satisfy traditional bank servicing criteria despite a strong land value and feasible exit strategy.
Why PMA
Traditional lenders often focus heavily on financial servicing metrics, which can prevent otherwise viable development projects from receiving funding.
Private Mortgages Australia was able to assess the opportunity based on:
- The value of the security property
- The feasibility of the subdivision project
- A clear exit strategy
Because PMA specialises in asset-based lending, the borrower’s servicing constraints did not prevent the loan from being considered.
This allowed the borrower to move forward with their subdivision plans despite not meeting traditional bank criteria.
PMA's Solution
PMA provided a short‑term private loan secured by property, enabling the borrower to proceed with the subdivision and work toward longer‑term refinancing.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
My dealings with PMA, on behalf of my client, were handled in a very competent and professional manner. From loan application to settlement we were at all times kept informed, which allied any client concerns. Professional, efficient service concluding in timely settlement....
Peter McAuley
2019-01-11 02:28:37
★ ★ ★ ★ ★
I have recently settled a loan for one of my clients with Private Mortgages Australia being the lender. I congratulate them on a seamless process conducted in a very professional manner. The quality of service coupled with a mindset based upon how can we make this loan work to the mutual satisfaction of both parties is a refreshing experience....
Warren - Mortgage Broker, Adelaide
2016-10-31 04:56:12
★ ★ ★ ★ ★
Thank you Peter. You made an uncertain process (non-traditional funding) a whole lot easier. Will be very comfortable in passing more opportunities across your desk....
Keiran Herlihy
2018-01-03 04:03:30
★ ★ ★ ★ ★
The process and the outcome was over my and my clients expectations. Turn around time is absolutely exceptional, 11 out of 10. I am looking forward to do more business with Private Mortgages in the future....
Adelio A - Mortgage Broker, Point Cook
2016-12-20 03:07:43
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.
