Land Banking Finance / ACT & Regional NSW
Land banking finance in the ACT and regional NSW, structured around the exit.
Land banking finance funds the acquisition and holding of development land while you secure approvals or wait out the cycle. We structure the facility around your exit — the DA, the build, the sale — so the hold works on your terms.
Speak to usWhat it is
Finance to acquire and hold land before you build.
Land banking finance is debt arranged to buy and hold a development site ahead of construction — most readily on zoned and approved sites, and selectively on land with a clear, evidenced development path. Because raw land is less liquid than a completed asset, the structure and the loan-to-value reflect that risk.
Most lenders see raw land as a risk and price it bluntly. We read the structure first: how the site converts to a development, how long the hold needs to be, and how the holding cost stays serviceable across the term. The right structure depends on your exit, which is the first thing we assess.
We work exclusively in commercial and development finance across the ACT and regional NSW, with the local lender, valuer and council relationships a national broker runs remotely.
Facility types
How land banking finance is structured.
Named facility types, matched to where your site sits on the path from acquisition to construction.
Land bank facilities
Capital to hold development sites while you secure approvals or wait out the cycle, with interest often capitalised so the holding cost does not strain cash flow.
Land acquisition loans
Funding to buy englobo, subdivision or infill sites — structured around the planned development, not just the raw asset.
Bridging to DA approval
Short-term finance that converts to a construction facility once your development approval lands.
Servicing the hold
Structures that keep the holding cost serviceable across the term, aligned to the approval or sale timeline.
What shapes the deal
What lenders look at on land.
Land-bank lending is driven by liquidity and exit. These are the factors that set the structure and the loan-to-value.
- —Zoning and approval status — zoned and approved sites attract the most readily available finance; a rezoning is reflected in the structure and LVR
- —Conservative LVRs — raw land is less liquid than a completed asset, so the equity requirement is higher than for construction
- —A clear, evidenced exit — the DA, the build, or the sale — is the first thing assessed
- —Holding cost and term — facilities are structured over terms that align with the approval or sale timeline
- —Interest capitalisation — often used so the holding cost does not strain cash flow during the hold
- —Location and the regional lender pool — ACT and regional NSW relationships matter where national lenders run remotely
Why Black Mountain
Why developers bring land deals to us.
We read the structure first
Most lenders see raw land as a risk. We structure the facility around your exit so the hold works on your terms.
The senior runs your file
The principal who structures your land facility runs it through to settlement. No junior handoff.
We know the ground
ACT and regional NSW lenders, valuers and councils — local relationships a national broker runs remotely.
Common questions
Land banking finance, answered.
Further reading
Where to go next.
Development Finance Canberra
Construction, land, residual stock and mezzanine for ACT and regional NSW developers.
Explore →Mezzanine Finance
Second-ranking debt that lifts leverage and reduces the equity tied up in a project.
Explore →Debt Advisory
What a debt adviser does, and how it differs from a mortgage broker.
Explore →Holding a site, or about to acquire one? Let's structure the hold.
Speak to usStart the Conversation
Tell us about your deal.
We'll come back to you within 24 hours — no obligation, no sales pitch.
Contact Details
Phone
02 6188 9849
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion