Land Financing Solutions
We help investors, developers, and families acquire raw land, development parcels, and serviced lots across British Columbia — with private and institutional lender options.
Property Types
Types of Land We Finance
Whether you're buying a remote parcel or a shovel-ready lot, we match your land purchase with the right lender and structure.
Raw Land
Undeveloped parcels with no services or infrastructure. Suitable for long-term holds, future development, or rezoning potential. Typically financed through private lenders with higher equity requirements.
Serviced Lots
Ready-to-build lots with water, sewer, and hydro connections in place. Institutional lenders are more comfortable with serviced lots, which means better rates and longer terms for qualified buyers.
Development Land
Parcels with subdivision or rezoning potential for residential or commercial development. We structure financing around your development timeline, including bridge loans until construction begins.
Agricultural Land
Farm properties, ALR (Agricultural Land Reserve) parcels, and acreages with financing tailored for agricultural operations. Access to Farm Credit Canada and specialized agricultural lending programs.
The Challenge
Why Land Is Hard to Finance
Land mortgages are fundamentally different from residential or commercial property financing. Understanding why helps you prepare for what lenders need.
No Income Stream
Unlike commercial property, vacant land generates no rental income. Banks see higher risk because there is no cash flow to service the debt. This means stricter qualification and fewer lender options.
Higher Down Payment
Most banks require 35-50% down on raw land purchases. Private lenders may go as low as 25% depending on the location, zoning, and your overall financial profile.
Shorter Terms
Land mortgages are often 1-3 year terms, not the 5-year fixed terms you see in residential lending. Every deal requires a clear exit strategy — build, sell, or refinance before the term expires.
Our Approach
How We Get Land Deals Done
Most brokers avoid land deals because they're complex and don't fit standard underwriting. We specialize in structuring land financing that works for both the borrower and the lender.
Typical Rate Ranges
Zoned, serviced lots with municipal approvals in place
Unserviced parcels, rural properties, and speculative holds
Subdivision potential, rezoning projects, and land assemblies
ALR properties, working farms, and agricultural operations
Rates are approximate and vary based on location, zoning, LTV, and borrower profile. Lender fees of 1-3% may apply.
Have Land to Buy? Let's Make It Happen.
Free consultation for land buyers and developers in BC. We'll assess your deal structure, match you with the right lender, and build an exit strategy from day one.