$3.9M
Land Bank Refinance
Land Bank Refinance Facility at 69% LVR, Victoria
A private investor refinanced a strategic regional land holding at 69% LVR, freeing capital while holding the site for future development.
Victoria
Up to 70% LVR
No serviceability required
No Development Approval required
Cash-out / working capital allowed
How it works
Secure your site, then build when you're ready
Land bank finance lets you secure and hold a development site until you're ready to begin construction — even before development approval is in place. It buys you time to prepare feasibility, amend or obtain a DA, or wait for the right market conditions.
Site acquisition is only part of the equation — how a site is funded and held determines your flexibility, your timing and your long-term outcomes.
No DA requiredHold the site, build later
When it fits
When we can provide land bank finance
- You need time to get ready for the construction phase
- Your development approval is not yet in place or needs amending
- Your site is being rezoned
- It's not the right moment to start your project
Land bank finance gives you time — to get construction-ready, to obtain or amend a DA, to complete a rezoning, or to wait for the right market conditions. When you're ready, DFP can transition you into a construction facility.
See construction loansCommon questions
Land Bank Finance FAQ
Can I get land bank finance without a development approval?
Yes. Land bank finance is designed for exactly this situation — no Development Approval is required to secure funding. It lets you hold a site while your DA is being prepared, amended or assessed, or while a rezoning runs its course, so you don't miss the acquisition while the planning side catches up.
How much can I borrow against a development site?
Land bank facilities are available up to 70% LVR, with loan amounts up to $50 million and higher amounts considered on application. The amount that suits your site depends on its value, location and your plans for it. DFP assesses each site individually and structures the facility around your timing and your next steps.
Do I need to prove income or serviceability?
No serviceability is required for land bank finance. Because the facility is structured around the site and your development strategy rather than your personal income, it suits developers and investors who would not fit a traditional bank serviceability test. Interest can often be capitalised so there are no monthly repayments to service while you hold the site.
Can I cash out equity when I refinance a site I already own?
Yes. Land bank finance allows cash-out and working capital, so if you already hold a site you can refinance it, release equity, and use those funds to prepare for construction or to secure your next acquisition. This is one of the most common ways developers use land bank finance to keep their pipeline moving.
How long can I hold a site on land bank finance?
Land bank finance is intended to give you time — time to get construction-ready, to obtain or amend a DA, to complete a rezoning, or simply to wait for the right market conditions before starting your project. Facility terms are structured to match your expected timeline through to the construction phase, and DFP can then transition you into a construction facility when you are ready.
When does land bank finance make the most sense?
Land bank finance suits you when you need to secure a site before you are ready to build: your development approval is not yet in place or needs amending, your site is being rezoned, or it is simply not the right moment to commence. It separates site acquisition from construction funding so you can act decisively on a good site without being forced to start before you are ready.
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