Property Types
Land & Development Financing
Financing for land acquisition, servicing, and development projects ranging from residential subdivisions to recreational properties.
Lending Parameters
Eligible Property & Project Types
We finance a wide range of land types and development projects across Canada, from urban infill to rural recreational sites.
Financing Stages
Land Acquisition
Purchase raw or partially serviced land with competitive terms based on location, zoning, and development potential.
Servicing & Infrastructure
Finance grading, roads, utilities, and municipal requirements to prepare land for vertical construction.
Development Financing
Full development funding for residential, commercial, or mixed-use projects through to completion and sale.
Frequently Asked Questions
Land carries higher risk than improved properties because it generates limited or no income, values can fluctuate with market conditions and zoning decisions, and development timelines introduce uncertainty. Lenders typically cap LTV at 50% for raw land and may offer up to 65% for serviced, development-ready parcels with approved plans.
Land acquisition financing covers the purchase of raw or partially improved land. Land development financing covers the costs of servicing and improving the land, including grading, road construction, utility installation, and obtaining municipal approvals. Many projects require both types of financing in sequence.
Yes, we arrange financing for golf courses, recreational properties, campgrounds, and agricultural land. These properties are underwritten based on location, development potential, current income generation, and comparable land values. Terms vary significantly depending on the intended use and income profile.
Lenders typically require a development pro forma, site plan, zoning confirmation, environmental assessment, cost estimates from qualified contractors, municipal approval status, and borrower financial statements. Having approved development permits significantly improves your financing options and terms.
Have a Land or Development Project?
Send us your project details and we'll identify the right lending structure for your development.