Land Bridging Loan

Land Bridging Finance

Bridging finance for land with, or without, planning available for loans from £50k to £250m for terms of 1 to 24 months.
We help you get the deal done fast.

We arrange finance for property developers, investors and speculators for land purchases, land banking or development. Whether you need fast financing to take advantage of a time-critical opportunity, have to refinance to allow time for a change of use, gain more favourable planning consent, or simply begin development we can arrange financing for even the most complicated circumstances.

No deal is too complex and every case is fully considered on its own merits. We're experts in packaging your needs in such a way that a lender can understand its value and be able to lend against it.

 Apply online or arrange a call with our experts today and get our best rate no obligation quote on your land bridging finance.

Land development


Land Bridging Loan Criteria

Loan to value (LTV) Land with planning up to 70% 
Land without planning up to 50%
100% Funding available with additional security
Loan term 1 to 24 months
Loan amount £50,000 up to £250m
Interest options Rolled-up, retained or serviced
Interest rates From 0.75%
Decision Immediate decision in principle
Completion 2 weeks
Early repayment fees None
Availability Secured on assets in UK & Europe
Individuals, Companies, SPVs
No credit & adverse credit considered
Exit strategy Sale or refinance

Quick Enquiry

Use the quick enquiry below to receive your
free no obligation quote for a land bridging loan.

How do you qualify for land bridging finance?

The land owner must have enough equity in the land to cover what is being borrowed from the lender and also that they are able to pay back a loan of this kind on time without defaulting. The maximum LTVs are up to 70% with planning permission or 50% without planning permission.

Get expert assistance today. To find out the exact costs of a land finance arrange a call or click here for a quote - it takes just 3 minutes!

Or feel free to call our friendly team on 01202 612934we're ready to help.

Bridging Finance For Land 3D Rendering Of Development

Whats the longest term bridge finance that you can get for land?

Land bridging loans are only intended to be a short term solution and are typically on available for up to 24 months. If you require longer term finance then you should seek advice for a land mortgage.

What's the maximum LTV on land bridging loans?

Lenders normally offer less loan to value (LTV) ratios on land loan compared with property. You can expect to be offered 60 to 65% of the amount if planning permission is granted. If you don't have planning approval this could go lower than 50%. For a land bridge deal you can require a deposit of at least 35% with interest factored and possible above 50% unless they have been secured.

Land bridge loan eligibility

There are factors that lenders use in deciding what rates to offer. Borrowers with this type of credit usually get the best deal. Lenders also take into account factors including the cost of a bridge loan.

Exit strategies for land bridge loans

An exit strategy is the way you plan to terminate a loan at their final settlement day. In the context of bridging loan, an exit strategy is applied to map the way you will repay debt. There are multiple methods for exiting a land bridge loan such as:

  • Sale of the land once planning permission has been obtained
  • Developing the land and refinancing the bridge with development finance
  • Refinance the bridge loan with another bridge loan
  • Refinance the loan with a longer term finance solution such as land mortgages

Can I get a bridging loan for land?

Yes, bridging loans are commonly used for funding the purchase of land with or without planning. A land bridge loan is a short-term loan secured against a piece of land, which typically doesn't have any buildings/ structures standing on it.

Funding land purchases in England

You might be able to get land finance if you have land that can be developed or land for future development. You will need a plan from your architect and a financial model showing how the property will make money after it is built, as well as an estimate of how much funding you'll need to complete the project.

Do I need planning to raise financing via a land bridge loan?

You can obtain a land bridge loan for land with or without planning although bear in mind that the maximum LTV (Loan to value) is less for land without planning. Typically you can obtain up to 70% LTV for land with planning or up to 50% for land without planning permission. It's also possible to raise 100% of the finance you require if you're able to provide additional security.

Land bridge finance is frequently used for land purchases that need to be secured immediately, but where the land owner does not yet have planning permission or may simply not want to wait until they get it. This is known as land purchase with bare land planning consent.

How do you qualify for land bridging finance?

The land owner must have enough equity in the land to cover what is being borrowed from the lender and also that they are able to pay back a loan of this kind on time without defaulting. The maximum LTVs are up to 70% with planning permission or 50% without planning permission.

Which loan is best for land?

We can advise you which land bridging loan is best for your specific case as the loans we arrange are tailored to meet the very specific needs of each client.

What are land bridging finance options?

Bridging loans can be used in a wide range of cases where land purchase or development is needed quickly and when other forms of finance are unavailable or unsuitable.

Can I get loan to purchase a land?

A land bridging loan can be used to purchase land where the owner doesn't have planning permission or has no immediate intention of applying for it. Bridging loans are also often used in cases where a property is being purchased before its development value is realised, as they provide quick access to funds without long application processes or extensive paperwork. Aside from buying land it can also be used to refinance land.

Is it hard to get financing for purchasing land?

No, providing you secure the loan against an asset, typically the land itself or property, obtaining a bridging loan is fairly straight forward and quick.

When is land financing is needed?

A land bridging loan can be used to purchase land where the owner doesn't have planning permission or has no immediate intention of applying for it. Bridging loans are also often used in cases where a property is being purchased before its development value is realised, as they provide quick access to funds. Bridging loans for land are different to development financing.

The biggest difference is that bridging loans are paid out in one tranche where as development finance is paid out in multiple tranches. The reason for this is to avoid borrowing more than the developer actually needs at that moment in time to fund the build schedule. Drawing down the funds in this staged manner ensures the developer avoids unnecessary interest fees.

What types of land purchases can a bridging loan be used for?

Land bridging loan be used to purchase:  

  • Agricultural land
  • Commercial land
  • Residential land
  • Industrial land
  • Brownfield land
  • Green land

Please note the types of land listed above are not exhaustive, contact us if you wish to purchase land not listed here.

Bridging finance for Agricultural land

Agricultural land also known as farmland or cropland is land typically used for pasture, livestock or the production of crops. It can also be used for limited equestrian activities however there are specific rules governing land use so if you're unsure then consult your local planning advisory service.

Section 336 of the Town and Country Planning Act 1990 defines ‘Agriculture’ as: “horticulture, fruit growing, seed growing, dairy farming, the breeding and keeping of livestock (including any creature kept for the production of food, wool, skins or fur, or for the purpose of its use in the farming of land), the use of land as grazing land, meadow land, osier land, market gardens and nursery grounds, and the use of land for woodlands where that use is ancillary to the farming of land for other agricultural purposes”.

Bridging finance for Commercial land

Commercial land means land which is used for commercial purposes such as office buildings or space, industrial sites and retail.

Bridging finance for Residential land

Residential land means land that is currently being used as a dwelling or is suitable for being used as, or is to be developed for dwellings.

Bridging finance for Industrial land

Industrial land means land which is utilised in connection with manufacturing, processing, or raw materials storage at facilities identified.

Bridging finance for Brownfield land

In urban planning, brownfield land is any land that has been previously developed but not currently in use that could potentially be contaminated.

What types of development can I finance using a bridging loan?

Land bridge finance are frequently used for land purchases that need to be secured immediately, but the land owner does not yet have planning permission or may simply not want to wait until they get it. This is known as land purchase with bare land planning consent.

This is different to development financing, if you're considering developing the land then view our development finance page.

Some of our lending partners

Acre Lane Capital
Broadoak Private Finance
Funding 365
Oakbridge
Agility Bridging
Apex Bridging
Hope Capital
Interbridge
Mintbridging
Together
Barton
Bath & West
The Bridging Group
Focused Lending
Lendinvest
MFS
Octane Capital
Proplend
Bridgecrowd
Tuscan Capital
West One
Whitehall Capital
Zorin Finance
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