Purchase before approvals
Zoning, subdivision or permits still underway.
Zoning decides what can be financed.
The partner broker gathers title information, studies and approvals, then documents the expected repayment.
Book a callProject types
Holding before construction
Purchase, studies and carrying costs before construction.
Land refinancing
Existing debt or upcoming studies.
Land assembly
Title, access, easements and conditions for each parcel.
Land with temporary income
Current income separated from the project’s future value.
What lenders review
Zoning and permitted use
The lender reviews permitted uses and approvals already obtained.
Access and services
Water, sewer, access and electricity influence value and costs.
Costs before development
Taxes, interest and studies must be covered until sale or construction.
Repayment plan
The request explains whether sale, refinancing or construction financing repays the loan.
What gives a lender pause
Use not yet permitted
Future value may depend on zoning that has not been obtained.
Incomplete services
Water, sewer, access and electricity can change project costs.
Soil or environmental issues
Contamination, rock, bearing capacity or wetlands may reduce usable area.
Delayed approvals
Taxes, interest and studies continue when the municipal timeline grows.
What sets the terms
Amount
Unapproved future value is not automatically accepted.
Down payment
Zoning, services and income influence the required amount.
Term
The term must cover approvals, sale or construction.
Repayment
The lender reviews whether repayment and timing are realistic.
Request steps
- Define the purchase and intended use
- Review title, zoning and easements
- Gather studies and municipal documents
- Calculate purchase, holding and infrastructure costs
- Document the sale or next financing
- Present the request and compare offers
What to prepare
- Purchase offer or title documents
- Cadastral plan, location certificate and easements
- Zoning, permitted uses and municipal correspondence
- Environmental, geotechnical and soil studies
- Purchase, holding and infrastructure budget
- Approval timeline and expected repayment
Loan types
| Loan type | When this loan type may apply |
|---|---|
| Land purchase loan | To purchase based on current value, down payment and intended use. |
| Loan during approvals | To hold land during zoning, subdivision or studies. |
| Infrastructure financing | To pay certain infrastructure costs under a detailed budget and schedule. |
| Vendor take-back | The seller finances part of the price, on terms written into the deed. |
Preparing a request, step by step
All guides
Financing vacant land: terms
Down payment, term, zoning and intended use.
Zoning and easements to check
Permitted uses, setbacks, easements and site constraints.
Land with a project: what reassures a lender
Plans, permits, schedule and budget for the planned project.
Agricultural-zone lot: financing options
Authorization, permitted uses and lenders active in this market.
Down payment on land
Amounts required by land type and project.
Time between purchase and construction
Loan term, permits to obtain and possible renewal.
Common questions
Can unzoned land be financed?+
Yes, with some lenders. The request must define use, equity and repayment.
Will the lender consider future value?+
The lender relies mainly on approved rights, current value and market evidence.
Which documents matter first?+
Title, zoning, easements, studies, plans and municipal correspondence.
How should repayment be prepared?+
Target date and remaining steps before sale or the next financing.
Must zoning be complete?+
No. The lender reviews current rights, pending steps and intended use.
Why are services important?+
Capacity, distance and connections change the project cost.
Book a call about your land.
Price, zoning, studies, equity and the next step.
Book a call