Investing in vacant land is gaining traction — and for good reason. With rising property prices and limited availability in key growth areas, land is becoming a strategic way to enter the market or expand your portfolio.
Whether you plan to build down the track, hold for long-term capital growth, or simply want to secure a piece of the future, land offers flexibility and control that established properties often can’t.
Why Invest in Vacant Land?
Vacant land gives you the ability to start with a clean slate — no outdated layouts, no structural surprises, and no need to compromise. You’re in full control of what comes next.
Key reasons investors are turning to land:
- Lower entry costs than buying a house
- Fewer ongoing expenses — no tenants, no maintenance
- Flexibility — hold it, flip it, or build on it when you’re ready
- Land is finite — and demand keeps rising, especially near growing areas
One thing to be aware of: vacant land isn’t eligible for negative gearing, as it doesn’t generate income on its own. That means the interest on your loan and holding costs generally can’t be claimed as tax deductions.
Why MA Money?
We understand that vacant land isn’t just empty space — it’s potential. And we’ve built a loan offering designed to support that potential from day one.
Here’s how MA Money makes investing in land more accessible:
✅ Borrow up to $1.5 million, and up to 75% of the land’s value
✅ Use the land as sole security – no need to tie it to your home
✅ Cash out options if you want to tap into equity
✅ Interest-only loan options to keep repayments lower
✅ Alternative income verification – great for self-employed borrowers
✅ Available for individuals, companies, and trusts
✅ Credit issues, including arrears, defaults and discharged bankruptcies accepted
In short, we’ve made it easier to invest in land — whether you’re just getting started or adding to a portfolio.
Thinking of building later? If you decide to construct a property on the land in future, you’ll need to refinance to a construction loan, as MA Money’s Vacant Land Loan doesn’t include funding for building costs.
🔎 Important to note: We can’t lend on land with an approved Development Application (DA). If you’re planning a project with DA in place, speak to your broker about other options.
Next Steps? Speak to a Broker
If you’re thinking about vacant land as part of your investment plans, have a chat with your mortgage broker. They’ll walk you through the options and make sure it stacks up for your goals.
Don’t have a broker? No worries — we can connect you with someone we trust. Get in touch with a trusted mortgage broker.
This article has been prepared by MA Money Financial Services Pty Ltd ACN 639 174 315, Australian Credit Licence No. 522267 for informational purposes only and does not constitute financial, tax, or legal advice. It does not take into account your personal objectives, financial situation, or needs. You should seek independent advice from a licensed professional before making any financial decisions. Credit approval criteria, fees and charges, terms and conditions apply (available on request).
