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
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.
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.
What we look at
- 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
Frequently asked questions
Can I get a bridging loan on land without planning permission?
Yes. We lend against the land’s current-use value at conservative leverage, with a term long enough to pursue planning — typically 12–24 months. We’ll want to see a credible planning strategy.
How much can I borrow against land?
From £50,000 to £25,000,000. Leverage on land is deal-specific and lower than on built property — planning status, access, services and location all move it. Send the site and we’ll quote the same day.
Can a land bridge convert to development finance?
That’s the classic exit: bridge the purchase, win or firm up consent, then refinance to development finance for the build. We regularly lend alongside that plan and can time the term to it.
Secure the site
Send the site address, price, planning position and your plan — same-day answer.