Land Bridging Loans

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Bridging Loans for Land

Fast, flexible funding to help you secure land when time is critical

Last Edited: November 2025

What is a Land Bridging Loan

Land bridging loans are short-term finance solutions designed to help you purchase or refinance land quickly. They’re ideal when traditional funding takes too long, or when you need capital to support a planning application or secure a prime plot before someone else does.

With viable land in short supply across the UK, opportunities move fast. Waiting months for standard finance can mean missing out. A land bridging loan gives you the speed and flexibility to act quickly.

When to Use a Land Bridging Loan

A land bridging loan can be used for almost any land-related purpose, including:

Purchasing land at property auctions
Securing a plot while arranging long-term finance
Funding a planning application or change of use
Financing commercial or residential development sites
Refinancing an existing loan secured against land

Why Clients Come to Us for Land Bridging

Clients tell us they appreciate the straight advice, fast decisions, and having someone manage the process from start to finish. Land deals move quickly; we keep them moving.

We’ve arranged a huge number of land bridging loans over the years, so we understand exactly what lenders look for and how to keep the process moving. We always start with the exit in mind; it’s the foundation of any strong application and the quickest route to an approval. Whether your plan is sale, refinance, or development, we make sure the exit stacks up from the very beginning so you have a clear path from start to finish.

Key Features of a Land Bridging Loan

Land bridging loans provide short-term finance, typically from 3 to 36 months, allowing you to move on an opportunity quickly.

Minimum loan amounts usually start from £50,000, with no fixed upper limit
Borrow up to 70% of the land value (LTV)
Interest is charged monthly, with rolled-up or retained options available
Can be used with or without planning permission
Funds released rapidly once due diligence is complete

Bridging loans are classed as higher risk, so lenders will assess the project carefully. Having a clear exit strategy, such as sale, refinance, or development, is key to securing approval.

Learn more about how bridging works on our Bridging Finance page.

If you want to get a sense of figures before speaking to us, you can use our Bridging Loan Calculator to explore indicative costs.

Can You Get a Bridging Loan for Land?

Yes. You can obtain a bridging loan to purchase land with or without planning permission, or even where the exit strategy isn’t yet certain. This flexibility makes land bridging a useful tool for developers, investors, and builders alike.

Lenders will review:

The loan-to-value ratio (LTV)
Your credit profile and track record
The proposed exit route (e.g. refinance or sale)

Once approved, funds can be drawn down quickly, often within days, so you can complete before deadlines or auction conditions expire.

If your plans include future development, see our Development Finance page for long-term options after your bridge.

Why Use Bridging Finance for Land Purchases?

Bridging finance offers flexibility and speed that traditional loans simply can’t. It can help:

Avoid delays in securing land when timing is crucial
Bridge funding gaps while waiting for mortgage or development finance
Take advantage of opportunities that require fast completion

In slower markets, having access to bridging finance means you can move confidently, even when other buyers hesitate.

Explore how bridging loans can help with property conversions and development projects.

Speak To An Expert

Giving you peace of mind while you sit back and let us do all the work for you while finding you the best deal for your financial situation.

Real-Life Example: Securing Land for Development

One of our clients, an experienced property developer in South Wales, needed to secure a parcel of land with outline planning for four detached homes. Their development finance was still being arranged, but the seller required completion within 21 days.

We arranged a £175,000 land bridging loan at 65% LTV, with funds released in just 10 days. This allowed the client to complete the purchase on time and begin the planning approval process for detailed consent. Once full planning was granted, the bridging loan was refinanced onto a development finance facility, enabling construction to begin.

This kind of short-term flexibility is what makes bridging finance so powerful, it gives you the ability to move fast and keep your project progressing, even when traditional finance can’t keep pace.

Expert Guidance from GPS Financial

At GPS Financial, we’ve arranged land bridging loans across the UK for clients purchasing everything from farmland and brownfield sites to development plots in urban areas. With access to a whole-of-market lender panel, we tailor the finance to your project’s timeline and exit strategy.

We’re authorised and regulated by the Financial Conduct Authority (FCA) and committed to providing transparent, ethical advice that puts your goals first.

For more details on planning and development permissions, visit Planning Portal, the UK Government’s official resource.

Ready to secure your next site?

Speak to our specialist team today on 029 2267 7707 or contact us through our website