Land Loans
Financing raw land, vacant lots, and development sites can be difficult with banks.
Lendworth provides private land loans with fast approvals, equity-based underwriting, and flexible terms designed for real-world projects and timelines.
Lendworth for Land Loans
Common-sense, asset-based financing.
Rates starting from 12.99%
Fast approvals — 24 to 48 hours
Flexible terms (6–24 months)
We lend on raw land, serviced lots, rural parcels, and infill sites
Low documentation requirements
No credit score minimum
No income proof required
Ontario-wide (GTA, Vaughan, Toronto, York Region prioritized)
We understand land value — and we fund it quickly.
What Is a Land Loan?
A land loan allows you to borrow against:
Raw land
Vacant lots
Development parcels
Rural acreage
Future building sites
Subdivision or infill land
Lendworth provides short-term financing so you can buy, hold, service, or prepare land for future construction or resale.
How Much Can I Borrow?
Based on equity, zoning, location, and liquidity.
Loan Amounts: $50,000 – $5,000,000+
LTV: Typically 40–65% depending on land type & location
Rates: Starting at 12.99%
Terms: 6–24 months
Property Types: Raw land, development land, serviced lots, rural parcels
Prime markets like GTA, Vaughan, Toronto, York Region qualify for maximum leverage.
Our lending criteria
Clear and realistic.
Must have marketable land value
Zoning and intended use considered
Higher LTV for serviced or infill land
Location plays a key role (GTA strongest)
Appraisal or valuation required
Credit score not a major factor
No income stress test
Exit strategy required (sale, refinance, construction financing)
If the land is good, approval is fast.
Trusted by Ontario Landowners Who Need Fast, Flexible Mortgage Solutions.
Lendworth makes it fast, simple, and stress-free.
Top Land Loan questions answered
Lendworth is a direct private mortgage lender.
Lendworth finances a wide range of land types across Ontario, including:
• Vacant residential lots
• Raw/unserviced land
• Rural and agricultural parcels
• Cottage and recreational land
• Commercial or mixed-use land (case-by-case)
If the land has strong value and a clear purpose, we can lend — even when banks won’t.
Yes. Private land loans are equity-based.
Lendworth focuses mainly on:
• Land value
• Zoning
• Location
• Development or exit strategy
Income and credit are not the deciding factors, making land loans accessible even for self-employed or credit-challenged borrowers.
Most land loans can be approved on the same day and funded within 24–48 hours, depending on lawyer availability and land access.
Banks often take weeks — Lendworth is built for speed.
We typically lend up to:
• 50%–65% LTV on raw or unserviced land
• 65%–75% LTV on serviced or residential lots
• Higher LTV for strong urban areas
Loan amounts depend on zoning, location, and marketability.
Common uses include:
• Buying land or lots
• Land assembly
• Pre-construction projects
• Future development
• Severance or subdivision costs
• Survey and architectural fees
• Paying out existing land debts
• Bridge financing while waiting for permits
Our land loans are flexible and customized to your timeline.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Whether you’re exploring first mortgages, looking to tap additional equity through a second mortgage, or preparing for a new property with a purchase mortgage, Lendworth offers fast, flexible solutions for every situation. Homeowners who want to lower payments often choose a refinance, while those needing revolving access to funds may benefit from a home equity line of credit (HELOC). If you're buying before selling, our bridge loans provide seamless short-term financing, and borrowers with unique properties can take advantage of specialized land loans. For major renovations or new builds, our construction loans offer staged funding designed to keep your project moving without delay.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Whether you need fast access to equity through private lending, flexible solutions designed for self-employed borrowers, or a clear path to debt consolidation, Lendworth provides efficient, borrower-focused options for every situation. Homeowners facing urgent timelines can rely on our support to stop power of sale, manage mortgage arrears, or secure specialized probate and estate loans during challenging transitions. When unexpected expenses arise, our emergency loans offer rapid funding, and clients navigating separation can benefit from our tailored divorce buyout loans that help preserve stability and protect their homeownership goals. Check our FAQs for more information.
Why Borrowers Trust Lendworth
We are a GTA-based private mortgage lender committed to transparency, fast turnaround, and strong investor-backed lending. Our approvals rely on real-world property values, ensuring you receive a fair and accurate offer every time.
Backed by Lendworth MIC’s disciplined underwriting process, we focus on capital preservation, efficient execution, and five-star service.