What your land will actually be lent against.

On development-adjacent land the achievable LVR is decided by the valuer’s highest-and-best-use finding, not by the lender’s headline policy — and the report type is decided by what sits on the title. Answer five questions to see the band to plan around, the valuation you should expect to pay for, and what to settle before the order goes in.

How to read this. The bands are indicative ranges observed across non-bank development lending over 2024–2026, not any lender’s policy, and they move with the market and with the sponsor. Bank appetite on development-adjacent land is generally tighter again. Valuation fees and turnarounds are typical ranges for the report type, not quotes. The single largest driver of your outcome is the highest-and-best-use finding, and the single largest driver of that is the instruction basis agreed with the lender before the order is placed. General information only, not financial product advice or credit assistance, and not an offer of finance.