Property Finance
Finance to settle or hold land the banks won't touch.
Settle a land contract, bank a development site, or hold while you get approvals — vacant land finance placed across our panel.
Land deals don't fit a bank's box — they fit ours.
Vacant land makes banks nervous: no income, no building, and often a long road to development. We arrange business-purpose vacant land finance and place it with funders on our panel who are comfortable lending against land and the upside in it.
Whether you need to settle a land contract that's about to default, bank a site while you secure a DA, or hold a parcel as part of a development pipeline, we structure finance around the land's value and your plan. This is finance for developers and investors with an ABN and a genuine business purpose — not a consumer block-of-land loan to build a home.
We know which lenders fund englobo and englobo-to-subdivision deals, which take a view on rezoning upside, and which can settle quickly when a contract deadline looms. Indicative answer in 24 hours.
Why arrange land finance through X Private.
Lenders comfortable with land
We place with funders who actively lend against vacant land, not banks that reflexively decline it.
Settle before you default
Beat a settlement deadline on a land contract with an indicative answer in 24 hours.
Hold through approvals
Fund a site while you secure a DA or rezoning, then refinance into construction when you're ready.
Land banking facilities
Hold strategic parcels in a development pipeline without tying up all your capital.
Priced on value and upside
Structured around the land's current value and a credible path to development or sale.
Clear exit, sensible terms
Short-term to settle and refinance, or a hold facility — built around how you'll repay.
What we arrange.
If it's land held for a business or development purpose, we can usually place it:
- Settling a vacant land purchase contract
- Land banking a strategic site
- Holding a parcel through DA or rezoning
- Englobo and subdivision-ready sites
- Refinancing land debt before construction
- Releasing equity from land you already own
- Commercial, industrial or residential development land
- Bridging from land settlement to a construction facility
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
Land produces no income and carries development and timing risk, so most banks either decline it or cap the LVR very low. Our non-bank panel includes lenders who specialise in land and price for the upside, which is why we can place deals the banks won't.
We're a specialist property finance brokerage: we place land finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Land finance here is for development and investment purposes, not a consumer build of your own home.
That's a common reason borrowers call us. You'll have an indicative answer within 24 hours and we prioritise lenders who can settle inside a tight land-contract deadline.
Yes — that's often the plan. We can arrange the land hold now and place the construction facility when your approvals and builder are locked in.