Land Bridging Loans
Bridging Finance — Land
Good sites sell fast and banks don't do land. A land bridging loan secures the site now, with or without planning permission and gives you time to do the thing that makes it valuable: win consent, assemble the scheme, or line up development finance. £50,000 to £25,000,000, decision today.
Land with planning permission
Consented Sites · Deadline Purchases
With consent in place, land is strong security and the questions are practical: the value of the consented scheme, your route to build or sell, and the timeline. Common uses: completing a site purchase on a deadline, bridging the gap before development finance draws down, or refinancing a site loan that is maturing while you finalise the funding package.
Where most lenders stop
Land without planning permission.
Unconsented land is where most lenders stop and where the best margins live. We lend against the land's current-use value at conservative leverage, with the loan sized so you have the term to pursue planning properly, typically 12–24 months. The exit is the uplift: sell with consent, or refinance to development finance once permission lands. We will want to understand the planning strategy, not just the postcode; a deal that works only if planning is granted next month is not a deal.
Underwriting
What we look at.
Send the site address, price, planning position and your plan for a same-day answer.
- Current-use value and realistic consented value, not hope value
- Planning status and strategy: pre-app feedback, local plan allocation, comparable consents
- Access, services and title, the things that quietly kill site values
- Your exit: sale, development finance, or build-out funding already in discussion
Common questions