Land Finance Calculator
Model land bridge costs based on planning status, LTV and term — before or after planning permission is secured.
Calculate your land bridge
Affects maximum LTV (60% without planning, 65% with)
Max LTV 60%
Enter your loan details above to see the cost breakdown.
Maximum LTV: 60% without planning permission; 65% with outline planning; up to 65–70% with full planning. Rates are typically higher than residential bridging.
Results are indicative only. Actual rates and costs depend on your specific circumstances, security and lender. Learn more about Land Finance
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65%
Max LTV (with planning)
50–55%
LTV (no planning)
12–24m
Typical term
£0
Upfront broker fees
What is land finance?
Land finance is a bridging loan secured against a plot, site or parcel of land. It is used to fund acquisition of land for development, to release equity from land already owned, or to bridge the period between land purchase and the grant of planning permission (planning gain).
Lenders distinguish sharply between land with planning permission and land without. Planning permission dramatically increases land value and lender confidence — a consented residential site in a desirable location is far easier to finance at a better LTV than raw agricultural land.
The exit strategy for a land bridge is typically one of: sale with planning permission (realising the planning gain); conversion to a development finance facility once construction begins; or sale to a housebuilder or developer who will take the site forward.
Land bridges are often longer term than standard property bridges — 12–24 months is common, to allow time for planning applications to be submitted and determined. Most lenders will extend if a planning decision is pending with good prospects of success.
The Process
Site Assessment
Assess the planning probability before committing. A pre-application discussion with the local planning authority or a planning consultant is essential for greenfield land.
Valuation
Specialist land valuer instructed — must understand planning potential and comparable evidence for the specific land type. Agricultural value vs. hope value clearly distinguished.
Title Due Diligence
Land transactions often involve complex title issues — ransom strips, rights of way, restrictive covenants, s.106 obligations. Development land solicitor essential.
Exit Planning
Define the exit at application — sale with planning, conversion to development finance, or joint venture. The exit must be achievable within the bridge term.
FAQs
Frequently asked questions
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