Land Bridging Loans

Bridging Finance can help you secure land or fund a major business deal

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Funding options


Scaled For Your Needs

  • 1 to 24 months
  • No Minimum or Maximum amounts
  • Competitive monthly rates
  • Non-status and full status


  • Bridge short-term funding gaps
  • Interest roll-up schemes
  • Adverse Credit – no problem
  • Funding can be available in 5 – 7 business days

Lending Secured On Land

  • Can be used to buy any type of plot
  • Up to 100% Loan to Value available for refinance
  • Land or premises purchase up to 70% of value
  • Acquisition for development

Talk to Rangewell - the business finance experts

Bridging Finance can help you secure land or fund a major business deal. We know the Bridging Finance providers that can provide the high level funding you need, fast.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Bridging Finance for land

A type of specialist short-term finance used to purchase or refinance land, fast

A land bridging loan is a short-term loan secured a piece of land that does not have any buildings or structures standing on it.

Table of Contents

What is a land bridging loan?

A land bridge, or land bridging loan, is a special kind of bridge that is secured against unimproved land with no buildings. So, this may actually be difficult to raise funds on. Its value will increase if it has planning permission.

A land bridge, however, may be used as a short-term solution to help you buy the land while planning permission is obtained.

Once planning permission is granted, this product then allows you to refinance with development finance or a similar product. This can reflect the increase in value of the land because of the planning permission and can allow you to raise extra funding to finance the build as well as the land.

Looking to finance land?

Contact our team to find out the latest rates for land bridges

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How does a bridging loan to buy land work?

A bridging loan acts as a precursor to a self-build mortgage. It will provide the capital you need to secure the land you're planning on building on. Then, usually, a self-build mortgage would then be used to pay off the loan and fund construction work.

Learn more about property development finance, and find out if we can help you today.

What are the uses of a land bridging loan? 

A land bridging loan is typically used to purchase land or refinance an existing loan. Some lenders may be happy to release equity if there is sufficient headroom. Land purchases are often bought at auction, given the exceptional nature of such transactions. 

If you'd like to learn more about a land bridge loan, get in touch today!

Does a land bridging loan require planning permission?

Bridging loans against land without planning permission would usually be a maximum of 50% loan to value. With detailed planning permission is in place, there will be a higher loan to value, usually up to 70%.

To find out more about buying land with planning bridging, speak to Rangewell today.

How much will it cost?

The cost of providing a land bridge will depend on a number of factors - the location of the plot, its current value, and its value once the relevant planning permission is secured will all be taken into account.

If the land has no planning agreed, a rate of 1.25%-1.5% per month might be appropriate.

Rates will be lower if the land already has planning permission. 

If the land has the relevant planning permission to build on and the location is deemed to be good, you could expect to pay a rate of around 0.95% per month.

Additionally to the monthly cost of the interest, lenders will charge a lender arrangement fee, which is a fee for setting up the loan. This is usually between 1.5% and 2% of the total loan amount, although this is sometimes discounted to as low as 1%, especially on larger loans.

Bridging loans have a relatively high cost and are intended to be repaid quickly, either by the sale of the property or by refinancing with another finance product designed for the long-term, such as a mortgage. They usually can cover around 70% of the total value of the property or land they are secured on.

If you're looking for a loan for land purchase, speak to our land bridging lenders today. 

A bridging loan can be arranged fast

Bridging loans are intended to let you deal with urgent funding needs or to take advantage of business opportunities that have to be dealt with fast. All bridging loans can be set up within a matter of hours, and funds released in as little as 72 hours, under certain conditions.

Looking to learn more about land acquisition

Speak to our expert mortgage brokers today

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What is the acceptance criteria?

Bridging lenders will typically require collateral in the form of property. Loans can be secured on the value of just one property or several properties combined. The lender and borrower will enter into an agreement where the service provider usually takes ownership if the loan is not repaid.

Looking to start a new building project? Get in touch today and we'll discuss the repayment charges you should expect to pay.

How quickly can I get a loan?

A bridging loan can take anywhere from 72 hours to a couple of weeks to complete. This isn't the quickest type of finance to get approved for, but specialist lenders will work hard to get your cash with you as soon as possible.

How much can I borrow?

Usually, the maximum amount you can borrow with a bridge loan is usually 80%, however, some lenders will be willing to lend more with additional security. Please be aware that each lender will have different standards.

What sort of rate will I get?

The average cost of a land bridging loan and the rates that go with it can vary depending on the lender and how high risk the borrower is. The key to getting the best rates is having whole-of-market access and meeting the lending criteria of as many lenders as possible.

Need a high LTV? Looking to fund land without planning permission?

Our specialist bridging team can help you, whatever your funding need

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Why you need Rangewell to set up a land bridge

While there are many lenders who may be prepared to offer funding that is secured on property, bridging finance is rather more specialised. 

There are a number of lenders who can offer land bridges, but each has its own approach to interest rates and fee arrangements.

At Rangewell, we know which lenders are able to offer business bridging finance and we use our expertise to identify the deal that really is the most appropriate for you and your business' needs. Our knowledge can not only help you secure the funding you need for your development project - it can save you a great deal of cash.

Remember, bridging loans are designed for short-term use. We not only have the expertise to help you use them as a tactical source of funding for the short term, but we can work to find the most competitive source of long-term funding to replace them.

Our knowledge of funding solutions for the property sector - from high value bridging loans to rural land purchase at short notice - can be an important asset for your business. Call us to find out more.


  • Find a Bridging Finance deal to let a developer secure a parcel of development land

  • Source funding to allow a builder to buy a plot for future use      

  • Found a lender to create a package of short-term funding to buy a number of plots at auction

  • Find the most competitive funding arrangement to industrial unit owner buy adjacent land, ensuring scope for growth

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • For property professionals
    Professional developers use Land Bridging Finance as part of their overall funding.
  • For businesses with property needs
    Land Bridging Loans can provide help to support all types of property acquisitions.
  • Funding for any purpose
    Securing funds on your land can help you raise cash for use in other areas of your business.
  • For development
    Land bridges are a funding solution for development projects which can be refinanced at a higher value once work is completed.
  • A fast application
    Bridging providers will look at your credit profile and the value of the asset, along with your exit strategy, in order to make a decision in the shortest possible time.
  • A single repayment
    In most cases, all fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.

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Frequently asked questions

Have a question?

Can you use a bridging loan to buy land?

Bridging loans offer a lifeline to property developers who are looking to get funds quickly. They can also be used for land purchases and land development.

If you're looking to buy a plot of land, get in touch with Rangewell today. We can find a loan term that works for you.

How much deposit do I need for a bridging loan?

Typically, the minimum deposit a lender would expect you to put down is around 30-35% of the property's value. But all lenders will have different requirements.

Want to know more about land bridging finance, speak to Rangewell today.

Can I get a mortgage on land without planning permission?

It's unlikely that you'll get a mortgage on land without planning permission. Residential mortgages are typically granted for legally habitable things. Commercial property mortgages are used for things where the viable business needs financing.

Is a land bridging loan hard to obtain?

Bridging loans aren't any more difficult than funding against property, but you should be aware that each application is assessed on its own criteria. Also, due to the planning risk, land without planning is more complex than sites with full planning permission.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.