Pre-Planning Bridging Finance
Funding to Secure Land or Property Before Planning is Approved
Secure Land or Property Before Planning Is Approved
Looking to purchase a site before planning permission is granted? Pre planning bridging finance gives you the speed to secure development land or buildings with potential before full approval is in place. This type of funding helps you stay ahead of the competition in a fast moving market.
At Bridging Finance Broker, we arrange pre planning finance based on land value, uplift potential, and your exit plan rather than rigid mortgage criteria. This means you can move quickly when the right opportunity comes along.
What Is Pre-Planning Bridging Finance?
Pre planning bridging finance is a short term loan secured against land or property that does not yet have full planning consent. It can be used to:
Purchase land or sites before planning approval is granted
Raise capital to cover planning applications, surveys, or legal work
Bridge the gap until development finance is in place once planning is approved
In most cases, the loan is repaid by refinancing onto a development facility or by selling the asset after planning consent has been obtained.
Why Use Pre-Planning Finance?
Move fast on sites with potential
Beat competitors to acquisition
Fund planning and design costs
Raise capital pre-approval
Bridge to a development loan
Switch once planning is approved
Works for land, brownfield, or underutilised property
Who Is It For?
Developers buying land with strong potential for value uplift
Investors aiming for profit through planning gain
Landowners looking to increase site value before full consent
Property professionals seeking strategic and time sensitive acquisitions
Common Use Cases
Buying land where you expect planning permission to increase value
Refinancing land to fund planning applications, surveys, and legal costs
Acquiring vacant or rundown sites to hold until permission is granted
Purchasing brownfield plots or airspace with potential for development
Loan Features and Lender Criteria
Loan amounts from £100,000 to over £10 million
Loan to Value typically between 50% and 65% (based on current value, not GDV)
Terms from 6 to 18 months
Rates starting at 0.85% per month
Security can include land, buildings, airspace, or underused assets
Exit via sale after planning approval or refinancing to development funding
Some lenders will consider planning risk if the uplift potential is strong and the project team is experienced.
Pre-Planning Finance Process
Initial discussion
We assess site, use, and planning potential
Indicative terms
Fast quote based on current site value
Legal & valuation
Legal review + Red Book valuation
Loan issued
Funds released to acquire or refinance site
Exit arranged
Via refinance or disposal on approval
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Estimate Your Pre-Planning Costs
Use our calculator to estimate interest and repayment options based on your land value and planned timeline.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I get finance before planning permission is granted?
Yes. Pre-planning bridging loans are designed for that exact purpose—backed by property or land value.
What if planning gets refused?
Your exit strategy matters. You may need to repay via resale or alternative use. We’ll help assess risk with experienced lenders.
How long can I borrow for?
Terms range from 6 to 18 months—enough to obtain consent and exit into a longer-term loan.
Is this available on brownfield or greenbelt land?
Yes—subject to planning potential and lender appetite. We’ll help you position the application.
Secure the Site Before the Competition
Whether you’re applying for permission or buying with potential in mind, we’ll help you move fast with flexible pre-planning finance.