Bridging finance secured against land — with or without planning permission, including agricultural, development and amenity land. Submit your enquiry and a specialist broker will call you back.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Common land transactions funded by bridging.
Acquisition of consented development land where the buyer plans to start works after acquisition. Bridging completes the land purchase and is replaced by development finance once the build phase begins.
Strategic land buys — acquisition of agricultural or amenity land where the buyer intends to apply for planning permission. The exit is sale at the uplifted, post-planning value or refinance once consent is granted.
Buying land to hold rather than develop immediately, with a longer-term sale to a developer or housebuilder in view. Bridging is used for the acquisition step before a longer-term land facility takes over.
How bridging finance works for land transactions
Mainstream lenders rarely lend against bare land. Bridging fills that gap. Specialist lenders consider land with planning permission, land without planning where there is a credible application strategy, agricultural land with development potential, paddocks, woodland and amenity sites.
Loans run from £25,000 to £25,000,000. Maximum LTV is typically lower on land than on built property — often 50–65% — because the security is harder to realise quickly. The exit is usually the sale of the land at a higher value once planning is granted, the start of a development financed separately, or refinance onto a longer-term commercial mortgage.
Both regulated and unregulated cases are considered. Adverse credit is reviewed case-by-case. Land in England, Scotland and Wales is accepted; Northern Ireland is not covered.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry