Whether you're securing a parcel ahead of a future build or holding land as a long-term investment, land is financed differently than a built asset — with its own equity, zoning, and timeline considerations.
How It Works
Your land financing journey, simplified
01
Apply online
Tell us about your business and your financing needs — takes about 3 minutes.
02
Team review
A commercial financing specialist reviews your file and explores your options.
03
Options & match
We match you with the best lenders and structures for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your commercial specialist will confirm the full list once we know your situation.
Common Questions
Land Financing FAQ
How much down payment does land financing require?
Typically 35–50%, higher than a built commercial property, since raw land carries more risk and produces no income on its own.
Does zoning affect financing?
Yes — serviced, properly zoned land for its intended use qualifies for more favourable terms than raw or unzoned land.
Can land financing convert into construction financing later?
Often, yes — many lenders will structure land financing with an eye toward a future construction-financing transition once plans and permits are ready.
What's the difference between raw land and serviced land?
Serviced land already has access to utilities (water, sewer, electrical) and road access, which materially improves both financeability and value versus raw, undeveloped land.
General information only — your specific numbers depend on your file. A commercial financing specialist will confirm exact details for your situation.
Get Started
Request commercial financing
Welcome
Let's scope out your financing
A few quick questions about your business and the property, then a commercial financing specialist will follow up personally — no obligation.
Equity Mortgage Solutions is not a bank — rates, terms, and lender fit vary by file. Submitting this form is not a guarantee of approval or financing.
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