Land Bridging Finance
Secure short term funding for land with or without planning permission, whether you are buying for development, investment or future resale.
Flexible Loans for Land Purchases and Development Planning
Whether you are buying land with planning permission or without it, bridging finance can help you secure the site before someone else does. We arrange land bridging loans for developers, investors and business owners who need quick access to funds for land purchases or refinancing.
At Bridging Finance Broker, we structure short term land loans around your plans, your exit strategy and your funding needs. Whether you are aiming for planning uplift, resale or long term development, we will help you move forward with clarity and control.
What Is Land Bridging Finance?
Land bridging finance is a short term loan secured against land, whether it has planning permission or not. It is designed to help you move quickly when buying or refinancing land, giving you time to plan your next step. That could include applying for planning, beginning a build or preparing for a future sale.
This type of finance is ideal for:
Buying land at auction
Acquiring plots with development potential
Bridging while waiting for planning permission
Refinancing land with expired or pending consent
It offers the speed and flexibility you need to move forward without the delays that often come with traditional lenders.
Why Use a Land Bridging Loan?
Land bridging lets you act fast without waiting for mortgage decisions or rigid lender criteria.
Speed
Secure funding in 5–10 working days
Versatility
Fund land with or without planning
Pre-Development Strategy
Acquire land ahead of long-term funding
Exit Flexibility
Sell, refinance, or transition to development finance
Who Is Land Bridging Finance For?
Property developers buying land for future builds
Investors purchasing sites for planning gain or resale
Businesses acquiring commercial or mixed use land
Landowners looking to release equity tied up in their site
We work with everyone from first time developers to established property companies. No matter your experience level, we can help you access the right funding to move your plans forward.
Loan Features and Lender Criteria
Loan amounts from £100,000 to over £5 million
Terms available from 3 to 18 months
Interest rates starting from 0.75 percent per month
Security can be land with or without planning permission
Loan to value typically between 50 and 65 percent, with higher amounts possible when additional security is offered
Exit routes include sale of the land, refinancing, or moving into development finance
Most lenders will ask for a clear title, a professional land valuation and a clearly defined exit strategy before approving the loan.
Common Land Loan Scenarios
Buying a plot at auction with a tight completion deadline
Refinancing existing land to raise working capital
Holding land while waiting for a planning decision
Acquiring land before moving onto development finance
If the land has future potential or forms part of your build strategy, we can help you secure the funding you need quickly and with minimal stress.
Land Bridging Process
Initial Assessment
Discuss land use, value, and end goal
Indicative Terms
Get a quote based on your scenario
Valuation & Legal Review
Specialist surveyor instructed
Offer & Completion
Fast-tracked where urgent
Exit Plan Support
We help structure your transition to the next stage
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Use Our Bridging Loan Calculator
Check your estimated monthly interest and repayment options for land bridging deals using our free online tool.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I get a bridging loan on land without planning permission?
Yes. Some lenders will fund land without planning, although rates and LTV may vary depending on its potential and location.
What if I’m planning to develop later?
Land bridging can act as a stepping stone to development finance. We’ll help structure both stages for you.
Can I refinance land I already own?
Yes. You can raise capital against unencumbered or part-owned land to fund planning, working capital, or other deals.
Do I need experience as a developer?
Not always, but it helps. If you’re new to development, we may pair you with lenders open to first-time projects, especially where planning is in place.
Secure the Plot Before It’s Gone
Opportunities don’t wait for slow lending. With the right land bridging finance, you can move quickly and unlock the full value of your site.