Purchase before approvals
Zoning, subdivision or permits still underway.
Zoning, costs and the next step.
The partner broker gathers title information, studies and approvals, then documents the expected repayment.
Book a quick 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.
Loan terms.
Amount
Based on current value and approved rightsUnapproved future value is not automatically accepted.
Down payment
Based on the land and project stageZoning, services and income influence the required amount.
Term
Based on the project timelineThe term must cover approvals, sale or construction.
Repayment
Sale, refinance or construction loanThe 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. |
| Short-term private loan | For an immediate need before conventional financing is available. |
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.
Book a call about your land.
Price, zoning, studies, equity and the next step.
Book a quick call