Land Financing.
Serving Homeowners, Builders & Developers.
Private Land Mortgage Lending & Advisory Services.
Operating Across Ontario & British Columbia.
What is a Land Mortgage?
Land Mortgage Lender.
A land loan, also known as a land mortgage, is specialized financing provided to homeowners, custom home builders, and real estate developers looking to purchase, develop, assemble, or refinance vacant or undeveloped land. Financing raw or serviced land carries greater risk for lenders due to factors such as lack of income generation, potential environmental or zoning issues, unclear future use, or limited resale options; so not all mortgage lenders offer land loans. This makes it critical to work with a land mortgage lender or broker who understands local regulations and land-use challenges. Land loans support a variety of purposes: buying land for a custom home, land banking, subdividing, building residential, commercial or industrial real estate, and servicing or preparing land for development. These loans differ from traditional mortgages – not only in purpose, but also in underwriting. Land financing arrangements must factor in municipal, environmental, and legal considerations, as well as the land’s “highest and best use” potential. Accordingly, land lenders require higher down payments, often 35%-50%, depending on location, zoning, entitlement, and whether the lot is serviced, and charge a risk-adjusted interest rate premium . At DV Capital, we specialize in arranging land acquisition financing, land assembly loans, land servicing financing, and land loan refinancing across Ontario, British Columbia, and Nova Scotia, providing access to flexible, project-aligned funding that traditional lenders often can’t offer.
How to apply for a land loan.
Land Mortgage Lenders in Canada.
Applying for a land mortgage (or land loan) in Canada is fundamentally different from residential or commercial mortgages due to the higher risk profile associated with the asset class. Lenders perceive land as a less marketable asset; its value hinges greatly on factors such as location, price point, zoning, parcel size, and its stage in the entitlement or development process, as well as the economic and political environment. As a result, land financing approvals require more rigorous scrutiny, including the borrower’s experience, net worth, and project viability, making selective underwriting a standard practice. Unlike conventional home loans, land loans usually carry higher interest rates and shorter term lengths due to their speculative nature. At DV Capital, we streamline the land mortgage application process for homeowners, builders, and developers across Ontario, British Columbia, and Nova Scotia. Our in-depth knowledge of regional zoning, development staging, and lender guidelines ensures clients are guided through each step and positioned for success. Whether you’re securing a land acquisition loan, financing a land servicing project, repatriating equity, or land banking with development intent, DV Capital has the expertise to secure the right land mortgage for your goals.
Land Acquisition Financing & Mortgage Loans.
Land Acquisition Financing in canada.
Securing land acquisition financing is the pivotal first step in any successful development project. At DV Capital, we connect investors and real estate developers across Ontario, British Columbia, and Nova Scotia with both institutional and private land mortgage lenders to facilitate the purchase of land without delay. Whether you’re acquiring refined serviced parcels, assembling multiple lots, or targeting rural land for future development, having capital aligned with your timeline and objectives is essential. Land financing is highly specialized due to its increased underwriting complexity – lenders evaluate location, zoning, entitlement stage, and development upside before offering financing. Moreover, financing options vary significantly between land acquisition loans, land assembly financing, land servicing mortgages, and land banking arrangements. DV Capital brings unmatched market expertise to help structure the right land acquisition loan, balancing factors like loan-to-value and borrower equity, while ensuring project momentum stays on track. Partnering with DV Capital means leveraging a network of lending options and positioning your project on the path to success.
Land Mortgage Refinancing.
Land Mortgage Refinancing.
Refinancing a land loan is often necessary due to its short-term nature and limited renewal options. Many land mortgage lenders either don’t extend loans at maturity or only offer renewals under less favourable terms, such as higher rates, require partial principal reduction, or provide no additional capital. In such cases, a land loan refinance becomes essential. Owners may seek a new land loan when an extension isn’t possible, or if the existing lender’s renewal terms outweigh the benefits, especially when a lender demands full repayment of funds at loan maturity. Land mortgage refinancing can be structured as a first or second mortgage, depending on the property valuation, the existing lenders, the loan-to-value and the borrower’s equity. At DV Capital, we provide expert land mortgage refinance solutions tailored to landowners, builders, and developers across Ontario, British Columbia, and Nova Scotia, leveraging both institutional and private lending channels to ensure flexible and strategic land loan refinancing options.
Land Assembly Financing & Mortgage Loans.
Land Assembly Mortgage Lenders.
Land assembly involves consolidating multiple adjoining parcels into a larger tract for high-density development, an ideal strategy for developers, real estate investors, and landowners in Canada. This process can significantly increase per-unit land value and streamline entitlement and building approvals. While individual sellers benefit from premium prices, purchasers stand to achieve strong upside by either developing the assembled land themselves or selling to end developers. At DV Capital, we specialize in arranging land assembly financing and land assembly mortgage loans across Ontario, British Columbia, and Nova Scotia. Our flexible solutions are tailored to support projects spanning from residential subdivisions and mixed-use developments to commercial and industrial high-density builds. With deep expertise in regional zoning, entitlement pathways, and underwriting standards, we position your combined parcel for success, structuring the right financing package to unlock your project’s value and move it forward with confidence.
Land Servicing Mortgage Loans.
Mortgage Lenders for Land Servicing Loans.
At DV Capital, we specialize in arranging land servicing loans to fund critical pre-development work, including road and utility installation, grading, lot servicing, and municipal infrastructure – for developers, home builders, and real estate investors. Land servicing lays the groundwork for future construction, whether for freehold homes, townhouses, rental buildings, condominiums, or master-planned communities. Because these loans depend heavily on phased delivery and exit strategies (such as pre-sales or approved subdivision plans), land servicing mortgage lending requires lenders to evaluate lot absorption rates, infrastructure cost recovery, future serviced lot value, and assignable exit routes to justify funding. Many traditional lenders refrain from servicing financing due to complexity and open-ended risks. DV Capital delivers tailored land servicing financing across Ontario, British Columbia, and Nova Scotia, working with both institutional and private mortgage sources. With deep underwriting expertise and comprehensive market understanding, we structure flexible servicing loans that keep your project on schedule, manage risk, and unlock the value of your real estate development.
Rural Land Mortgages loans.
Mortgage Lender for Rural Land.
At DV Capital, we work with a diverse network of rural land lenders, including private mortgage lenders who specialize in properties with varied zoning, acreage, servicing levels, and market conditions. Whether you’re acquiring a remote parcel, refinancing rural acreage, or constructing a custom home or subdivision off the beaten path, we offer fast, flexible land mortgage financing for homeowners, builders, and developers in Ontario, British Columbia, and Nova Scotia. Rural properties present unique underwriting hurdles: liquidity, zoning uncertainty, and utility access challenges. By partnering with experienced land lenders in these markets, we enable rural land financing solutions that align with your project’s geography and goals.