Secure flexible funding for subdivision projects from initial purchase through to final lot sales
Whether you’re planning a small dual-occupancy subdivision, creating residential lots, or preparing land for future development, we can help you explore your finance options and secure the right loan structure for your project.
At Alpha1 Financial Solutions, our experienced team understands the unique challenges of subdivision lending and will guide you through each stage, from acquisition and approvals to infrastructure and completion.
Land subdivision loans are specialised finance facilities that help developers and investors fund every stage of a subdivision project, from land acquisition and planning approvals to infrastructure and project completion.
Land Acquisition
Secure finance to purchase raw or vacant land for your project.
Planning & Approvals
Cover the costs of DA, zoning, and council permits.
Infrastructure Costs
Fund essential works including roads, drainage, fencing, and utilities.
Project Completion
Prepare subdivided lots for sale, refinance, or construction.
A land subdivision loan can help you with:
Land subdivision loans aren’t only for large-scale projects they’re a flexible finance option for anyone looking to divide land into smaller, saleable lots. Whether you’re a developer, investor, or landowner, the right facility can help you unlock value and turn plans into profit.
With tailored terms and staged funding, land subdivision loans give you the capital and confidence to progress your project at every stage.
Choosing the right finance partner can make the difference between a smooth subdivision and one weighed down by delays, cost overruns, or unsuitable loan structures.
At Alpha1 Financial Solutions, we combine deep finance knowledge with legal expertise to ensure your subdivision is funded the right way – from start to finish.
Our team understands the intersection of tax, legal, and funding requirements, giving you confidence that your subdivision is structured to protect both your project and your returns.
Whether you’re funding a dual occupancy, townhouse complex, or multi-stage subdivision, we structure loans around your timeline, approvals process, and cash flow.
With relationships across 60+ banks, non-banks, and private lenders, we secure finance options that deliver better terms and faster settlements.
We support you through every stage of the subdivision journey: from feasibility and funding strategy to refinancing, take-out finance, and exit planning.
While not always mandatory, having council approvals in place strengthens your loan application by demonstrating the viability of your project. Some lenders may offer conditional approvals while you secure council permissions.
Yes, some lenders offer combined loans that cover both subdivision costs and the construction of infrastructure or buildings on the subdivided lots. This is typically structured as a staged loan.
Repayment options vary but may include interest-only payments during the project phase, transitioning to principal and interest repayments once the subdivision is completed or sold. Alternatively, some lenders allow repayments to be capitalised, and the total repaid at the end of the project.
Both individuals and companies can apply for land subdivision loans. However, larger projects may require you to establish a special purpose vehicle (SPV) or company for easier management and compliance with lender requirements.
Yes. Subdivision finance funds the creation of saleable or build-ready lots, while construction loans fund building on those lots.
