Land Loans in Ontario
Land financing can be difficult — especially for raw land, vacant lots, and development sites.
Lendworth provides private land-loan options with equity-based underwriting, transparent terms, and fast decisions once property details are confirmed.
Lendworth for Land Loans
Common-sense, asset-based financing.
Rates starting from 12.99%
Clear options — often within 24–48 hours once details are confirmed
Flexible terms (6–24 months)
We lend on raw land, serviced lots, rural parcels, and infill sites
Low documentation requirements
No single minimum credit score
Income flexibility (file-dependent)
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 (GTA, Vaughan, Toronto, York Region) often support stronger loan-to-value options.
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 and builders who need clear, equity-based land-loan options.
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.
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.