Bridging Finance

Land Purchase Loans

Finance for land acquisition - residential, commercial, or agricultural. With or without planning permission, up to 65% LTV.

Land Finance

Secure the land before someone else does

Land acquisition is often the most time-critical stage of any property project. Whether you are a developer securing a site with planning consent, an investor banking land for future development, or a farmer expanding your holding, speed and certainty of funding are essential.

Doulton Bridging Finance arranges land purchase loans from our panel of 130+ specialist lenders. We fund land with full planning, outline planning, or no planning at all, with LTVs up to 65% and the ability to roll your land loan into a full development facility when you are ready to build.

65%

LTV on Land Value

10 Days

Fastest Completion

All Types

Land Accepted

130+

Specialist Lenders

Key Benefits

Land finance tailored to your project

With or Without Planning

We arrange finance for land with full planning permission, outline planning, or no planning at all. LTV and pricing adjust to reflect planning status.

Up to 65% LTV

Borrow up to 65% of the land value, with higher leverage available where planning permission is in place or the site has strong development potential.

All Land Types

Residential, commercial, agricultural, greenfield, brownfield, and strategic land. We have lender relationships that cover the full spectrum of land transactions.

Part of Development

Purchasing land as the first stage of a development? We can structure land finance that rolls into a full development facility, avoiding double fees.

Standalone Purchases

Not every land purchase leads to immediate development. We arrange standalone land loans for investors, land bankers, and buyers securing sites for future use.

Fast Turnaround

Land opportunities are time-sensitive. We work to your timeline, with completions from 10 days for straightforward sites with clear title.

The Process

How it works

Site Details

Share the land location, size, planning status, and your intended use. We assess the opportunity and provide an immediate indication of terms.

Lender Selection

We match your site to lenders who specialise in land finance. Planning status, location, and your exit strategy all inform lender selection.

Valuation and Due Diligence

A specialist land valuation is instructed alongside legal due diligence. We manage the process to keep everything moving efficiently.

Completion

Once all conditions are satisfied, funds are released and the land is yours. We can also begin structuring your development facility in parallel.

Ready to secure your land?

Share your land details and we will provide indicative terms within hours. Planning or no planning, we have lenders ready to move.

Get a Quote Discuss Your Requirements

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.