Finance to secure your block first
Land Purchase Loans — broker support across Australia
Buying vacant land before you're ready to build is a common path — but lenders assess it quite differently from a standard home loan. Deposit requirements are often higher, lender policies vary based on location and zoning, and the structure needs to account for the build that will follow. TwoFold Lending helps you navigate both the land finance and the eventual construction lending from the start.
Book an appointmentVacant land finance: higher deposits, stricter lender policies — we know which lenders work.
Not all lenders will finance vacant land, and those that do often require deposits of 20 to 30 percent or more depending on location, zoning and whether services are connected. Lender appetite varies significantly for rural, regional and outer-suburban land compared to established residential blocks. We identify which lenders are genuinely workable for the block you're targeting before you commit.
- Vacant land lending comparison
- Deposit and LVR requirements by lender
- Land and construction loan planning
- Zoning and lender policy assessment
Planning both phases — land finance and the construction loan — from the start.
Buying land with a plan to build later creates a two-stage lending need that should be planned as a single pathway, not two separate decisions. The lender you choose for the land purchase, the deposit structure you use, and the way the title and security are held all affect what your construction finance options look like when the time comes.
TwoFold Lending helps you plan a lending path that accounts for both phases from the beginning — so you're not locked into a structure that complicates the build finance later. We compare land lending options, assess zoning and location factors and make sure you understand exactly what you're committing to at each stage.
Common questions
Land Purchase Loans — frequently asked questions
Is getting finance for vacant land harder than a home loan?
It can be. Lenders often require a larger deposit for vacant land — in some cases 20 to 30 percent or more — and policies vary based on the land's location, zoning and whether services like power and sewerage are connected. We identify which lenders have the most workable policies for your specific block.
Can I buy land now and build later?
Yes, this is a common approach. But the lending structure needs to be right from the outset, particularly if you're planning to add construction finance down the track. We help you plan a lending path that accounts for both phases from the beginning.
What affects whether I can get finance for a block of land?
Key factors include the land's location, zoning type, whether services are connected, the lot size, your available deposit and your income and borrowing capacity. Rural or remote land can be particularly restrictive. We assess all of this upfront before pointing you in a direction.