{"id":12353,"date":"2026-06-22T19:00:02","date_gmt":"2026-06-22T19:00:02","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=863"},"modified":"2026-06-22T19:00:06","modified_gmt":"2026-06-22T19:00:06","slug":"mortgage-for-land-canada","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/","title":{"rendered":"Can you get a Mortgage for Land in Canada?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Mortgages for Raw Land<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to purchasing vacant land, while the purchasing process is generally the same, there are different regulations. When you are purchasing a home, you are only required to put down a 5% down payment if you are a first-time home buyer. After that, the required down payment is at least 20%. This is a bit different for vacant land purchases. Here are some general down payment requirements<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Land<\/strong><\/td><td><strong>Down Payment<\/strong><\/td><\/tr><tr><td>A city lot that is serviced and residentially zoned<\/td><td>20%-30%<\/td><\/tr><tr><td>A rural lot that is serviced and residentially zoned<\/td><td>30%-40%<\/td><\/tr><tr><td>A rural lot that has partial services and residential zoning<\/td><td>35%-50%<\/td><\/tr><tr><td>Land that has some services. This includes land that could potentially have agricultural zoning.<\/td><td>35%-50%<\/td><\/tr><tr><td>Land without services, potentially agriculturally zoned.<\/td><td>35%-50%<\/td><\/tr><tr><td>Farming land<\/td><td>20%-25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the larger down payment, most mortgages, including <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/choose-mortgage.html\">traditional residential mortgages<\/a>, require transaction fees.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Appraisal fees<\/li>\n\n\n\n<li>Legal fees<\/li>\n\n\n\n<li>Brokerage fees<\/li>\n\n\n\n<li>Land Transfer Taxes<\/li>\n\n\n\n<li>HST\/GST costs<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The cost of these things varies depending on your purchase. An appraisal can range from $350 to $600, depending on whether it\u2019s a rural or residential appraisal. Legal fees can range anywhere from $1000 \u2013 $1500 and brokerage fees can go as high as around 1% of the loan amount that you are receiving. Land transfer taxes can be as high as 1% of the purchase price, and HST\/GST isn\u2019t applicable in all cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is also important to keep in mind that these costs can vary depending on where you live. If you are in Alberta or Saskatchewan, land transfer taxes don\u2019t apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it Possible to Purchase Land with No Down Payment?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, with any mortgage in Canada, whether you buy land or a traditional home, a down payment is required. The first-time homebuyer rule allowing a 5% down payment applies only to homes; it does not apply to land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That being said, there are other ways to purchase land. To avoid making a down payment, some people will take out a home equity loan on another property they own. Another option is to utilize seller financing. This means you just make payments to the seller, and you get the title once the seller has been paid in full.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Land Mortgage Interest Rates Differ<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to interest rates on undeveloped land, they\u2019re going to be higher than a regular mortgage. That said, when you finance land, it\u2019s a higher risk for lenders like the big banks, so the land type you\u2019re buying will influence your financing options.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Raw Land:<\/strong> This type of mortgage has the highest interest rates because the land isn\u2019t considered immediately marketable. This land doesn\u2019t have any developed roads, utilities, or even sewer service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Serviced Land: <\/strong>Since these types of land already have nearby services that can be connected, you can get rates that are closer to those of standard mortgages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rural Land: <\/strong>Rural land is another type of land that carries higher interest rates; however, there are strict rules because there are fewer buyers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another factor that will impact your vendor financing, compared to traditional residential mortgages, is the purpose of the land. If you\u2019re buying vacant land and plan to build a home, you can get a construction loan that will then convert to a home loan. Once you find land, your dream home can become much more attainable. Buying land to hold or for commercial use will give you a much higher interest rate.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another thing to consider is your loan options. This includes seller financing (owner financing), home equity line of credit, and traditional land loans. Unsecured loans aren\u2019t usually available for land loans, and the minimum down payment on land depends on the type of land and its intended use.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are They Amortized Over Fewer Years?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With land loans, the amortization can vary based on the specific loan. They\u2019re generally shorter than residential mortgages since they\u2019re higher-risk and range from 5 to 0 years with most lenders.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Purchasing Land to Build a Home<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are purchasing a parcel of land with the intention of building a home on it right away, you are given more leeway. Land used to build homes is typically vacant. Vacant land financing is a bit easier to get because the land isn\u2019t raw. There are often services already in place, or partial services. These items, along with the specifics of the build, are usually required to be provided to the lender before receiving a vacant land mortgage and a construction loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In cases like this, where you already have permits lined up and contractors ready, your down payment in urban areas can be reduced to as low as 20%. This depends on where you are building the home, though. Some places will still require a down payment of up to 40%. And this is just the beginning. There are other restrictions that you need to meet as well.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Prove you can provide the cash requirement.<\/strong> This means you have enough money to cover the down payment. But it also included the money that you need to start the build. Mortgages for a build usually aren\u2019t given up front.<\/li>\n\n\n\n<li><strong>Pass the Property requirement inspection.<\/strong> This means all property requirements for the build are met, and the information is provided to potential mortgage lenders. From there, you will find out whether a lender is willing to lend for the build as well as the land.<\/li>\n\n\n\n<li><strong>Provide a timeline and a budget for the build. <\/strong>Lenders tend to shy away from new builds because they can be quite risky. People tend to run out of money during builds, and all sorts of other situations come up.<\/li>\n\n\n\n<li><strong>Meet the income and credit requirements for the mortgage.<\/strong> Just like with a traditional mortgage, the lender needs to be confident that you will be able to repay the loan.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to getting a mortgage for building a home, lenders don\u2019t like to just give you the money to build the home up front. There are two types of land loans lenders offer. How land loans work ultimately depends on the lender and the specifics of the property and the build.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first and most common way lenders offer land loans for a new build on it is with a completion mortgage. This means that you, as the buyer, have enough equity or cash to finance the purchase and build. The lender will then issue you a mortgage to cover the costs that you have paid. The second type of mortgage is called a construction mortgage, also known as a construction loan. These mortgages are when the lender releases portions of the mortgage as parts of the build are being completed,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To get any of these mortgages, you need to provide all necessary plans and permits to the lender before you are approved. They need to verify that there is as little risk as possible when loaning you the money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Using Land as a Down Payment for a Mortgage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While this isn\u2019t always an option for people, it is something you could definitely do. This mainly applies if you own the land outright or have a large amount of equity in the property. This means that instead of using cash for the down payment on a construction loan, the land value will serve as collateral. could definitely do. This mainly applies if you own the land outright or have a large amount of equity in the property. This means that instead of using cash for the down payment for a construction loan, the land value will work as collateral instead.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=mortgage-for-land-canada\"><img decoding=\"async\" data-src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/581;\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Land Mortgages in Different Provinces<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While it is difficult to fully define the parameters for purchasing land, we have reviewed the general requirements in Canada. That said, depending on where you are purchasing land and building a home, some of the finer details may differ.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ontario<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking to purchase land in Ontario, there are three different types of land that you can purchase: raw, vacant and crown. The type of land you are buying will determine how you can get a mortgage. Raw land is often more difficult to develop because it costs more and has a lower resale value. That being said, purchasing any kind of land will always be a bit more difficult to get a loan for. They also come with higher interest rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Ontario, you are likely looking at a down payment of anywhere from 30%-50% for any land purchase. For that reason, those who already own a home choose to take out a <a href=\"https:\/\/www.springfinancial.ca\/blog\/homeowner-finances\/mortgage-refinancing-vs-home-equity-loans\">home equity loan<\/a> to help cover the down payment on their new property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Alberta<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Just like with Ontario, there are different types of land you can purchase in Alberta: raw, vacant or crown land. If you are looking to purchase land, note that down payments often reach 50%. It is also important to keep in mind that when gathering your mortgage documents, you will likely need to drill a well if you are purchasing land outside the regular city limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Alberta, there is also often a lot of farmland for sale. If you are looking to purchase agricultural land, you will need to consider a water source (well), and you may also want to look into the soil history. Having appropriate soil is very important for farming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking into the farming side of purchasing land in Alberta, you may need to consider not only a land mortgage but also an agricultural loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Canadian Agricultural Loans Act helps farmers finance farm improvements and fund the processing and distribution of farm products. In many cases, it may make sense to get an agricultural loan instead. Not only are these loans used to purchase farms, but they can also be used to expand them. Agricultural loans are also long-term; the minimum term is usually 10 to 15 years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">British Columbia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking to purchase land in BC, there are many of the same opportunities as in Alberta or Ontario. The down payment for land depends on the type of land you are purchasing and what you intend to do with it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Like Alberta, farmland is very popular in BC; in some cases, you may be better off getting an agricultural loan or a land mortgage. Most commonly, you would look for these types of loans from traditional lenders such as banks or credit unions. There may be some private lenders who will also fund agricultural or land loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The one thing you need to watch for in BC, though, is land transfer taxes. On the first $200,000, you pay 1%, but over $200,000, the tax rate is 2%. Keep in mind, though, that when it comes to a down payment, you are also allowed to use a home equity loan to help with the purchase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financing on Vacant Land Vs Serviced Land<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As we\u2019ve already mentioned, when you\u2019re looking to borrow money for vacant land vs serviced land, there are going to be some differences, whether you\u2019re working with major banks or not.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For vacant land that is also private, the down payment ranges from 40% to 50%. Major banks also don\u2019t like to offer these types of mortgages, making private lenders and credit unions your best options. Going through a mortgage broker isn\u2019t always easy either, so a home equity line of credit or vendor financing may also be a good choice.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to serviced lots, it\u2019s easier to get financing oforthe land and to build a house in most provinces, including rural areas, unlike vacant lots, which hcarryadditional rrisks isuch aszoning laws. Plus, with serviced lots, down payments are reduced to 25- 35%, and major banks often finance them.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Construction to Permanent Mortgage Options in Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Canada, you can get construction loans to help finance the building of a home. With these mortgages, you will continue to receive funds in stages as you reach certain milestones in the build. Once the build is complete, you can transfer the construction mortgage to a traditional mortgage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The great thing about this loan is that when you are constructing the home, you only need to pay the interest. Payments on the principal don\u2019t begin until it\u2019s converted to a traditional mortgage. Plus, since it\u2019s a new build, you may be eligible for a federal tax break through the Canada Revenue Agency.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Agricultural Land Mortgages and FCC Financing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike regular loans, you can also get agricultural land mortgages through Farm Credit Canada. With these, you can make flexible repayment schedules that align with your agricultural revenue schedule.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They also have variable interest rates and fixed terms ranging from 1-10 years, with amortization periods of 20-25 years. You can also use assets or existing land as a down payment instead of just a traditional down payment.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Recreational Property and Cottage Land Mortgages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking to purchase recreational property that isn\u2019t going to be your primary residence, then you\u2019re also looking at a different type of mortgage. The property type will dictate the specifics of your mortgage. Vacant land and seasonal property usually require a 50% down payment, while year-round property requires only 5%-10%. Title insurance is usually required as well.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Provincial Restrictions on Foreign Buyers of Canadian Land<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Right now in Canada, the federal government has put a federal ban on non-Canadians purchasing residential property until January 1, 2027. Until this is lifted, everyone has to follow the federal ban instead of provincial restrictions.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Using a HELOC to Buy Land Instead of a Mortgage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you already own a home, using a HELOC to purchase another property can be faster, require a lower down payment, and have higher odds of approval. That said, there are some risks. By using this method instead of a mortgage, you\u2019re putting your primary residence at risk if you\u2019re unable to make payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reason that many banks prefer this way to buy vacant land is that they\u2019re going to have better luck recuperating their funds on your primary residence than on the land. Vacant land is much harder to liquidate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are looking for a home, you may be considering purchasing land and building a home. If that\u2019s the case, you wouldn\u2019t be the only one. That being said, purchasing vacant land involves a slightly different process than purchasing an existing home. Depending on where you live and which lender you use, the requirements may be much more complicated than those for purchasing a home.<\/p>\n","protected":false},"author":23,"featured_media":3470,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[59],"tags":[],"class_list":["post-12353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowner-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can you get a Mortgage for Land in Canada? - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can you get a Mortgage for Land in Canada? - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"If you are looking for a home, you may be considering purchasing land and building a home. If that\u2019s the case, you wouldn\u2019t be the only one. That being said, purchasing vacant land involves a slightly different process than purchasing an existing home. Depending on where you live and which lender you use, the requirements may be much more complicated than those for purchasing a home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"Spring Financial\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/springfinancial\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-22T19:00:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-22T19:00:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"358\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jessica Steer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jessica Steer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/\"},\"author\":{\"name\":\"Jessica Steer\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/person\\\/33a6ea920a4b1c4924d6b2de718e5c2b\"},\"headline\":\"Can you get a Mortgage for Land in Canada?\",\"datePublished\":\"2026-06-22T19:00:02+00:00\",\"dateModified\":\"2026-06-22T19:00:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/\"},\"wordCount\":2379,\"publisher\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/6390e6c96f134.jpeg\",\"articleSection\":[\"Homeowner Finances\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/\",\"name\":\"Can you get a Mortgage for Land in Canada? - Spring Financial\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/6390e6c96f134.jpeg\",\"datePublished\":\"2026-06-22T19:00:02+00:00\",\"dateModified\":\"2026-06-22T19:00:06+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#primaryimage\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/6390e6c96f134.jpeg\",\"contentUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/6390e6c96f134.jpeg\",\"width\":640,\"height\":358,\"caption\":\"Land mortgage in Canada\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/homeowner-finances\\\/mortgage-for-land-canada\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Can you get a Mortgage for Land in Canada?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/\",\"name\":\"Spring Financial\",\"description\":\"Online Loans from 9.99%\",\"publisher\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#organization\",\"name\":\"Spring Financial\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/spring-logo-80x34-1.svg\",\"contentUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/spring-logo-80x34-1.svg\",\"width\":80,\"height\":34,\"caption\":\"Spring Financial\"},\"image\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/springfinancial\\\/\",\"https:\\\/\\\/www.instagram.com\\\/springfinancial.ca\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/person\\\/33a6ea920a4b1c4924d6b2de718e5c2b\",\"name\":\"Jessica Steer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g\",\"caption\":\"Jessica Steer\"},\"description\":\"Jessica Steer is a Content Writer at Spring Financial. She has years of personal finance experience, particularly with personal loans and credit-building products. Jessica also has an Associate of Arts Degree, specializing in English and Writing. Along with her experience writing financial articles, her publications have been linked to by The Globe and Mail, Forbes and Yahoo Finance.\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/author\\\/jessica\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Can you get a Mortgage for Land in Canada? - Spring Financial","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/","og_locale":"fr_FR","og_type":"article","og_title":"Can you get a Mortgage for Land in Canada? - Spring Financial","og_description":"If you are looking for a home, you may be considering purchasing land and building a home. If that\u2019s the case, you wouldn\u2019t be the only one. That being said, purchasing vacant land involves a slightly different process than purchasing an existing home. Depending on where you live and which lender you use, the requirements may be much more complicated than those for purchasing a home.","og_url":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/","og_site_name":"Spring Financial","article_publisher":"https:\/\/www.facebook.com\/springfinancial\/","article_published_time":"2026-06-22T19:00:02+00:00","article_modified_time":"2026-06-22T19:00:06+00:00","og_image":[{"width":640,"height":358,"url":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg","type":"image\/jpeg"}],"author":"Jessica Steer","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Jessica Steer","Dur\u00e9e de lecture estim\u00e9e":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#article","isPartOf":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/"},"author":{"name":"Jessica Steer","@id":"https:\/\/springfinancial.ca\/fr\/#\/schema\/person\/33a6ea920a4b1c4924d6b2de718e5c2b"},"headline":"Can you get a Mortgage for Land in Canada?","datePublished":"2026-06-22T19:00:02+00:00","dateModified":"2026-06-22T19:00:06+00:00","mainEntityOfPage":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/"},"wordCount":2379,"publisher":{"@id":"https:\/\/springfinancial.ca\/fr\/#organization"},"image":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg","articleSection":["Homeowner Finances"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/","url":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/","name":"Can you get a Mortgage for Land in Canada? - Spring Financial","isPartOf":{"@id":"https:\/\/springfinancial.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#primaryimage"},"image":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg","datePublished":"2026-06-22T19:00:02+00:00","dateModified":"2026-06-22T19:00:06+00:00","breadcrumb":{"@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#primaryimage","url":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg","contentUrl":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/12\/6390e6c96f134.jpeg","width":640,"height":358,"caption":"Land mortgage in Canada"},{"@type":"BreadcrumbList","@id":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/mortgage-for-land-canada\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/springfinancial.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Can you get a Mortgage for Land in Canada?"}]},{"@type":"WebSite","@id":"https:\/\/springfinancial.ca\/fr\/#website","url":"https:\/\/springfinancial.ca\/fr\/","name":"Spring Financial","description":"Online Loans from 9.99%","publisher":{"@id":"https:\/\/springfinancial.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/springfinancial.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/springfinancial.ca\/fr\/#organization","name":"Spring Financial","url":"https:\/\/springfinancial.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/springfinancial.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/08\/spring-logo-80x34-1.svg","contentUrl":"https:\/\/springfinancial.ca\/wp-content\/uploads\/2025\/08\/spring-logo-80x34-1.svg","width":80,"height":34,"caption":"Spring Financial"},"image":{"@id":"https:\/\/springfinancial.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/springfinancial\/","https:\/\/www.instagram.com\/springfinancial.ca"]},{"@type":"Person","@id":"https:\/\/springfinancial.ca\/fr\/#\/schema\/person\/33a6ea920a4b1c4924d6b2de718e5c2b","name":"Jessica Steer","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/975adc4cebb79e04df615a343e8b4a35cb9e794b0c9840ef5a044ac870ea4ca5?s=96&d=mm&r=g","caption":"Jessica Steer"},"description":"Jessica Steer is a Content Writer at Spring Financial. She has years of personal finance experience, particularly with personal loans and credit-building products. Jessica also has an Associate of Arts Degree, specializing in English and Writing. Along with her experience writing financial articles, her publications have been linked to by The Globe and Mail, Forbes and Yahoo Finance.","url":"https:\/\/springfinancial.ca\/fr\/blog\/author\/jessica\/"}]}},"_links":{"self":[{"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/posts\/12353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/comments?post=12353"}],"version-history":[{"count":3,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/posts\/12353\/revisions"}],"predecessor-version":[{"id":29066,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/posts\/12353\/revisions\/29066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/media\/3470"}],"wp:attachment":[{"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/media?parent=12353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/categories?post=12353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/springfinancial.ca\/fr\/wp-json\/wp\/v2\/tags?post=12353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}