Land Purchase Finance

Funding solutions for commercial and agricultural land

Speak to one of our experts020 4525 5312

Funding options



  • Commercial mortgages from 2% above base rate
  • Agricultural Mortgages
  • Bridging Loans
  • Auction Finance

Designed around your needs

  • Can be part of 'Jigsaw' Funding designed around your needs
  • Monthly, quarterly and annual repayments
  • Tailored around your cashflow
  • An adverse credit history need not be a problem


  • Repayment and interest only available
  • All types of land
  • Buildings as well as land
  • Refinance existing property assets

Talk to Rangewell – the business finance experts

If you want to buy land, call us. We know every property lender in the market and use our contacts to help you find the deal that's right for you.

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.

Buying land can be a challenge. While many lenders can be happy to lend on property that has a established value, the true value of many types of land may be difficult to assess - especially if it does not have planning permission.

At Rangewell, we can provide expertise to help you secure the funding and the land you need.

There are many reasons to buy land. You may need agricultural land to work. You may be a developer, with a major development project in mind, or a business in need of parking, storage or new building.

You may simply be looking for a plot to build a single home.

Whatever your plans, you may find lenders reluctant to help. Many of the best-known names in the lending industry will simply not lend on land. Nonetheless, land finance does exist. By understanding the various types of finance available, and the lenders who may provide it, we can help you find the funding you need.

Self-Build Mortgages

Many of us dream of building our own home. A standard mortgage cannot provide the funds you need, as it can only be secured by a finished, habitable property.

A Self-Build Mortgage is simply a loan taken out on a property which you are in the process of building yourself.

Funds are given to you in stages rather than as a single lump sum. This is to reduce the lender's risk and ensure that the money is spent as planned so you don't run out when you are only halfway through the project. The money for each stage is usually only paid out once it has been completed and a valuer has visited the site. However, it may be possible to use the first stage to buy land.

You will have to produce detailed plans for the property, a projection of the costs involved and show that planning permission has been granted.

Rates on Self-Build Mortgages are usually considerably higher than standard mortgages, because of the risk to the lender that you will not finish the project. You will need to put down a deposit of between 25%, to 50%.

Commercial Mortgages

A Commercial Mortgage can be used to buy land, although it may be most suitable for land with the potential for commercial development. Commercial Mortgages operate much like residential mortgages and are, simply, a large loan secured on the property itself. Generally, Commercial Mortgages are for 15 years or more and, as with a residential mortgage, the premises will be at risk if you are unable to keep up your repayments.

The rates and terms for a Commercial Mortgage are arranged individually. Lenders will look at your business, your accounts and projections to ensure that and set interest rates based on the level of risk they believe it presents. There will also be valuation, arrangement and legal fees and additional costs for the services of professional advisors which will add substantially to the initial costs.

Because of the legal and administrative costs of setting up a Commercial Mortgage, there are minimum lending levels. Few lenders will consider applications for less than £50,000, but there is no set upper limit. So, if your plans are large-scale, perhaps for major commercial or residential development, it may be possible to negotiate a Commercial Mortgage to provide for a large proportion of the land costs as part of a wider funding package. Commercial Mortgage deals can be either fixed-rate or variable rate, and you may also be able to choose between a repayment mortgage option where you pay the capital and interest back each month or an interest-only mortgage, where you only pay the interest. If you choose this option, the lender will seek evidence of an appropriate investment policy that will cover the outstanding capital at the end of the loan term.

Property Development Finance

Property Development Finance is a type of lending that experienced property development businesses can use to fund new building projects including ground-up new builds.

Lenders may advance up to 70% of the gross development value, with terms that can be up to 24 months. Property Development Finance is usually only available for experienced developers, who have a portfolio of previous development projects to showcase their skills.

Bridging and Auction Finance

Bridging Finance is a short-term finance solution best thought of as the means to bridge a funding gap until a more suitable long-term solution can be provided. It is versatile and can be used to secure a land purchase deal which would then be transferred to a long-term solution. Bridging Finance has a relatively high interest rate and is, therefore, unsuitable for the longer-term where it would mean high costs if used for a long period.

Auction Finance is a way of arranging funding in advance of an auction. Like a Bridging Loan, it is designed to provide short-term finance. It can help you ensure that you have funding in place if you are successful at auction, and can be valuable to help you know how much you can bid on a particular plot.

Agricultural land

Demand for agricultural land may be growing. An Agricultural Mortgage is designed to help farmers buy farmland or other holdings such as a forest.

You can usually borrow up to 80% of the value of the land and repayments can be arranged to fit in with your business cash flow, either monthly, quarterly or annually.

Loans can even pass from generation to generation – helping you build a farming business, not just for yourself, but for your family in the years to come.

There will be valuation, arrangement and legal fees to consider.

Buying your existing farm tenancy and becoming a freeholder can be a sound investment, and one that some landlords are increasingly becoming receptive to. You can borrow up to 60% of the full value of freehold land, which your tenanted farm will become, on completion of the sale

Raising funds with refinance

If you currently own land or property, Property Remortgaging or Refinancing could let you use it to raise cash. Refinancing lets you access the investment you have already made in your property to provide the funding, which can be used for a number of purposes, including buying your own land. It works by providing a new Commercial Mortgage on your existing property. If you own the property outright, all the money you raise is yours to use in any way you wish. You regain full title to your premises when the funds are paid off and you could take advantage of rates that are exceptionally low.

Refinance can also be the solution if you want to get a better deal on your existing financial commitments. You do not need to have paid off your current mortgage to arrange a new one. Your land may have appreciated in value, which may allow you to negotiate better terms than an existing loan.

Land finance from Rangewell

At Rangewell, we work with lenders from across the entire market. It lets us ensure that you have the financial solutions you need.

Even a fraction of a percentage point can make a substantial difference to what you actually pay each month, while fees and penalties can complicate the position still further. There are many different lenders who may be prepared to offer funding. Each has their own approach to interest rates and fee arrangements, and comparing offers needs an expert eye.

At Rangewell, we know the lenders who can offer land finance along with other types of finance for property developers, including Property Development Finance, and use our expertise to identify the deal that really is the most appropriate for you and your business plans. Our knowledge can not only help you secure the funding you need - it can save you and your business a great deal of cash.


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

  • Fast decisions from specialist lenders
    Lenders will look at your credit profile, the value of the asset, and your exit strategy to make a decision in the shortest possible time.
  • Suitable for all types of land
    • Residential, commercial and mixed-use development plots • Agricultural land • Industrial land • Part-built development refinance
  • For all types of borrower
    Professional developers, investor, businesses and and farmers can all use land finance as part of their overall funding strategy.
  • Designed for your business
    Your business plans are the key to securing the finance you need - a sound business plan will count for a great deal.
  • Releasing funds
    Remortgaging an existing land holding can provide a source of a high level of funds for your business to reinvest elsewhere.
  • For developers
    Short-term loans can provide a funding solution for development projects which can be refinanced at a higher value once work is completed.

Download Rangewell’s free and detailed guide to Property Finance

How does property finance work?

Why type of funding do you need for your project?

What are the costs?

What are the restrictions?

The downsides of property finance

Making the application

Key terms to check

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A sound business is essentialFunding is secured on the future earnings of your business. A sound business, and a sound business plan for its future are vital to secure funding.
You need to provide a large depositMost lenders will expect you to put up at least 25% funding as a deposit when you are buying land - and possibly more.
You need to be certain you can make repaymentsLending is secured on your land itself. If you don’t keep up repayments, you could lose it.

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.