Bridging Loans for Land

Invest in land with a bridging loan

At Tiger Financial, we specialise in bridging loans for land, with or without planning consent. Our focus is on the best rates, responsive service and total reliability for every client. As a Tiger Financial client, our experience means your business strategy and funding requirements are presented to lenders in the very best possible light, and structured to reflect the specific characteristics of the site.

Land finance is judged differently to standard property lending. A lender is not simply valuing bricks and mortar, but assessing the likelihood, timescale and value of what the site can become. That means planning status, access, ground conditions and the strength of the borrower’s exit strategy all carry more weight than they would on a straightforward residential or commercial purchase.

Land with planning consent

For investors looking to acquire land with planning for development or planning uplift, we can access market leading rates at the highest leverage possible. Borrowers must usually have full planning permission in place, in which case up to 70% loan to value is available. Where planning is outline rather than detailed, leverage is typically more conservative and a lender may want to see a clear route to discharging conditions. Larger bridging loans may well require a feasibility study to confirm build costs, gross development value and the viability of the scheme before terms are finalised. Experienced land investors with a realistic exit strategy, whether that is sale, refinance onto development finance, or a forward funding arrangement, will stand a greater chance of success.

Land without planning

We can also arrange funding for land without planning on a case by case basis. This is usually contingent on a good chance of planning gain being achieved, supported by evidence such as a pre-application response, a promotion agreement, an option agreement, or a track record of the applicant securing consent on similar sites. Lending against land without planning carries more risk for a lender, so expect lower leverage, shorter terms, and a greater focus on the strength of your planning strategy than on the raw value of the land itself.

Site fund

We arrange land bridging finance across a wide range of situations, including:

• Greenfield and brownfield sites acquired for residential or mixed-use development
• Land purchased at auction under tight completion deadlines
• Self-build and custom-build plots for individual borrowers and small developers as long as they are not intended to be occupied by the borrower or their family.
• Commercial and industrial land, including sites earmarked for logistics or light industrial use
• Strategic land promotion, where a site is held and progressed through the planning system ahead of a future sale or development
• Agricultural land being acquired with a longer term view to change of use or development potential
• Sites with complex title issues, such as ransom strips, restrictive covenants, or access arrangements that need resolving before development can proceed

Whatever your requirements, for loans from £50k to £100m+ we are ideally placed to broker the very best bridging loan for land finance acquisition

• Rates from 0.75%
• Land with planning up to 70% LTV
• Terms from 1 to 24 months
• Non status applicants welcome
• No monthly payments
• No proof of income required
• Interest deducted from the loan
• Loans from £50k to £100m+
• Available across England, Scotland, Wales and Northern Ireland