Land and subdivision finance, stage by stage.
Subdivision projects sit awkwardly with banks: the land produces no income, the approval timeline is outside the borrower's control, and civil works spend precedes any titled lot being sold. Envision Private arranges land and subdivision facilities secured by first mortgage over the site, sized against the current 'as is' value at acquisition and against progressive milestones as approvals and civil works are completed. Interest is usually capitalised, so the project is not carrying monthly repayments while it is pre-revenue.
When it makes sense
- Acquiring a development site before or during the DA process
- Holding a land bank while a rezoning or planning outcome is resolved
- Funding civil works, headworks and infrastructure contributions
- Refinancing an expiring bank land facility that will not be extended
- Bridging from plan-of-subdivision lodgement to titled-lot settlements
- Releasing equity from an approved site to start the next acquisition
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| LVR | Up to 65% of 'as is' land value; higher against approved sites |
| Term | 6 – 24 months |
| Interest | Capitalised — no monthly repayments while pre-revenue |
| Security | 1st mortgage over the development site, plus sponsor guarantees |
| Exit | Titled-lot settlements, construction facility takeout, or sale of the approved site |
How the process works
- Project snapshot — site, planning status, lot yield, civil budget and program.
- Indicative terms — written pricing and drawdown structure within 24 hours.
- Credit approval — valuation, planning review, QS or civil cost review where relevant.
- Documentation — loan agreement, first mortgage and sponsor guarantees.
- Drawdowns and exit — staged advances against milestones; repaid from lot settlements or takeout.