Land Development
& Assembly Private Loans
Highland Creek Trading specializes
in private lending for land development, assembly, acquisition, and refinancing.
At Easy Second Loans Highland, we provide fast, flexible second mortgage solutions for developers and investors in Ontario. Whether you’re acquiring raw land, assembling parcels, or funding infill development, our private capital sources offer loans from $500,000 to $50 million+ with up to 75% Loan-to-Value (LTV).
Our land loans are designed to keep your project on track, offering approvals in 24-48 hours and closings in as little as 2-3 weeks. We serve projects in Toronto, the Greater Toronto Area, Southwestern Ontario, and select areas on a case-by-case basis.
Flexible Financing for Your Vision:
- Zoned and Unzoned Land: Financing for raw, serviced, or infill development sites.
- Varied Terms: Options include interest-only payments or interest reserves to suit your project timeline.
- Pre- and Post-Approval Funding: Secure capital before or after permits to navigate lengthy approval processes.
- Draft Plan to Site Plan: Loans for projects in planning, underway, or needing additional capital for completion.
- Construction Takeout: Combine land development loans with construction financing for seamless project funding.
We work with private lenders and institutional partners to secure competitive rates through syndicated funds, ensuring your project gets the capital it needs without the delays of traditional banks. From small infill sites to large-scale developments, we tailor solutions to help you focus on building, stress-free.
Land Development Lending Criteria
Second Mortgage Criteria for Land/Development
- Loan Amounts:
$500,000 to $50,000,000+ - Security:
Raw land, serviced land, or infill development sites (urban and suburban) - Loan to Value:
Up to 75% LTV - Interest Rates:
Starting at 9.99%, 6-month to 3-year terms
- Lender Fee:
1.5%-2% (plus any broker fees) - Term:
Typically 12 months, fully open, with option to extend for an additional 12 months - Term:
Typically 12 months, fully open, with option to extend for an additional 12 months - Lending Areas: Ontario (Toronto, Greater Toronto Area, Southwestern Ontario; other areas case-by-case)
Ontario (Toronto, Greater Toronto Area, Southwestern Ontario; other areas case-by-case)
Why Choose Easy Second Loans Highland?
- Equity-based lending decisions for faster approvals
- Interest-only payments or interest reserves available
- No minimum credit score requirements
- Flexible repayment options for developers
- Financing for pre-approval, draft plan, or site plan stages
- Financing for pre-approval, draft plan, or site plan stages
- Combined land and construction financing with one lender
- Quick closings (2-3 weeks) for time-sensitive projects
- Higher LTVs than traditional banks
- No upfront fees, full transparency
Why Private Lending for Land Development?
Traditional banks often delay land development projects with rigid requirements and lengthy approvals. Easy Second Loans Highland offers private second mortgages tailored to developers and investors, including:
Raw or Serviced Land:
Financing for unzoned or zoned parcels, including infill sites.
Pre- and Post-Approval Funding:
Capital to keep projects moving during permitting delays.
Large-Scale Projects:
Loans up to $50 million+ for major developments or assemblies.
Fast Closings:
Funding in 2-3 weeks to seize time-sensitive opportunities.
Broker-Friendly:
We protect broker fees and offer competitive rates for your clients.