Can I get a bridging loan to buy land?

Yes, specialist lenders offer land bridging loans. Terms depend on whether the land has planning permission, its location, and your development plans.

What LTV can I get on land?

Typically 50-70% depending on planning status. Land with full planning permission attracts higher LTVs than land without.

What is the exit strategy for a land bridge?

Common exits include obtaining planning permission and selling, moving to development finance, or refinancing onto a longer-term land loan.

How long are land bridging terms?

Typically 6-18 months. Extensions may be possible if your plans take longer than expected.

Land Bridging Loans

Land purchases often need fast, flexible finance. We connect you with bridging lenders who specialise in land acquisition funding.

Bridging Loans for Land Purchases

Buying land — whether for development, agriculture, or investment — often requires specialist finance that moves quickly. Standard mortgages don't cover land without planning permission, and even with permission, the process can be too slow. Land bridging loans provide fast funding to secure your plot, with the intention of moving to development finance or a standard mortgage once plans progress.

Fast land acquisition finance
Land with and without planning permission
Development plots and strategic land sites
Agricultural and amenity land considered
free initial advice bridging advice

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Land with Planning Permission

Land with planning permission is the easiest to finance through bridging. Lenders value the land based on its development potential, and LTVs of 60-70% are typical. The exit strategy is usually development finance or selling the land with permission at a profit.

Land without Planning

Land without planning permission is harder to finance and carries more risk. Lenders will lend at lower LTVs (40-50%) and at higher rates. The exit strategy typically involves obtaining planning permission and then selling or developing the site.

Development Land

If you're buying land to develop, the bridging loan covers the purchase while you arrange development finance for the build. Some lenders offer combined land purchase and development bridging, simplifying the process.

Strategic Land

Strategic land (land allocated for future development in local plans) can be valuable but may take years to gain planning permission. Bridging lenders may consider this type of purchase, but terms are typically shorter and LTVs lower.