Bridging Loans to Buy Land
Funding to acquire land with or without planning permission, ahead of a development finance facility or onward sale.
Land lending is one of the more selective areas of the market and loan-to-value varies sharply with planning status. We know which lenders will consider land without consent and on what terms.
Why Bridging Loans to Buy Land Requires the Right Lender
What we arrange
- Purchase of land with outline or full planning consent
- Facilities against land without planning, at lower loan-to-value
- Funding to secure a site ahead of a planning decision
- Exit onto development finance or by sale
Who this is for
- Developers securing a site before planning is granted
- Investors buying strategic land
- Self-builders acquiring a plot ahead of a build facility
How London FS helps
Land lending is one of the more selective areas of the market and loan-to-value varies sharply with planning status. We know which lenders will consider land without consent and on what terms.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.
Lending Without Planning Consent
A selective market. We know which lenders will genuinely consider it.
Planning Status Understood
Outline, full and lapsed consents each affect leverage differently.
Refinance on Consent
When planning is granted, value rises and we refinance onto better terms.
Why Bridging Loans to Buy Land with London FS?
Bridging Loans to Buy Land requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
Land lending is one of the more selective areas of the market and loan-to-value varies sharply with planning status. We know which lenders will consider land without consent and on what terms.
Development Finance Exit
The onward build facility is planned at acquisition, not later.
Realistic Loan-to-Value Guidance
We set expectations on land leverage before you commit to a purchase.
Site-Specific Underwriting
Access, services and title issues addressed before they stall a lender.
Who Benefits from Bridging Loans to Buy Land
Developers Securing Sites
Strategic Land Investors
Self-Builders Acquiring Plots
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Secure the Site While You Can
Funding to acquire land with or without planning permission, ahead of a development finance facility or onward sale.
Related Bridging/Development Finance Services
Our Bridging/Development Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
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Frequently Asked Questions on Bridging Loans to Buy Land
Can land without planning be funded?
Yes, though typically at a materially lower loan-to-value than consented land.
What happens when planning is granted?
Value usually rises, and the facility can often be refinanced onto development finance on better terms.
Is agricultural land eligible?
It depends on the lender and the intended use. We will confirm before you commit.
What loan-to-value applies to land without planning?
Typically 50% or lower, reflecting the uncertainty of a planning outcome.
Does an option agreement affect lending?
Yes. Options and conditional contracts change the security position and narrow lender choice considerably.
Can services and access issues be overcome?
They affect valuation rather than preventing lending, but they must be disclosed upfront.
Is agricultural or green belt land fundable?
Occasionally, at low leverage. Change-of-use prospects heavily influence appetite.
What happens if planning is refused?
The facility remains repayable. This is why we assess the exit on the unconsented value, not the hoped-for one.
Can the facility roll into development finance?
Yes, and planning the two together at the outset usually produces better terms overall.