Land Bridging Specialists
Finance for land with and without planning permission
Land is one of the hardest asset classes to finance. These specialist lenders understand land valuation, planning potential, and development timelines. Whether you have full planning or are buying speculatively, they can help.
What these specialists cover:
Land with full planning
Land with outline planning
Garden plots and infill sites
Agricultural land with potential
Strategic land purchases
Specialist Lenders
| Lender | Rate From | Max LTV | Loan Range | Notes |
|---|---|---|---|---|
| Together | 0.65% /mo | 65% (with planning) | £50,000 - £3,000,000 | Most flexible on land without planning. Will consider strategic land purchases. |
| Shawbrook | 0.60% /mo | 65% (with planning) | £100,000 - £10,000,000 | Prefer land with at least outline planning. Strong on development sites. |
| MT Finance | 0.70% /mo | 65% (with planning) | £100,000 - £5,000,000 | Good for garden plots and infill sites. Quick on small land deals. |
| Octopus Real Estate | 0.65% /mo | 60% (with planning) | £500,000 - £50,000,000 | Larger development sites. Can provide land purchase plus development finance. |
| Glenhawk | 0.68% /mo | 65% (with planning) | £250,000 - £30,000,000 | Strong on larger sites. Will bridge into their development finance product. |
Common Questions
Can I get bridging on land without planning?
Yes, but LTV is typically 45-50% max. Lenders need to see realistic planning potential for exit.
What's the typical term for land bridging?
Usually 12-18 months, allowing time to obtain planning and arrange development finance or sale.
Do lenders value land on current use or planning potential?
For borrowing purposes, valuation is typically on current use with uplift for planning where applicable.
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