Planning Gain Finance

Experienced investor ready to acquire sites with planning potential? You need planning gain finance and help from Rangewell

Speak to one of our experts020 4525 5312

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

Generate Profits

  • Buy sites without planning permission
  • Profit from increase in value as permission is granted
  • Brownfield and greenfield sites
  • From single house plots to major development sites

Talk to Rangewell - the business finance experts

If you want to raise finance against a property or piece of land while you apply for planning permission, we can help.

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.

Using a Bridging Loan to buy a site without planning permission could help you enjoy substantial profits when planning permission is secured

Planning Gain Finance is a special type of Bridging Loan designed to assist experienced investors to acquire sites with planning potential. 

Bridging Loans are short-term loans secured against property. They are called a bridge or Bridging Loan because they are intended to bridge a short-term funding gap - and they can be used in a number of ways.

One of these ways is to buy a property that is not mortgageable. One of the reasons for doing this is to benefit from planning gain.

What is Planning Gain?

The value of most land without buildings or planning permission is relatively low. It, therefore, cannot be used as security for a mortgage. Lenders will take the view that the land will not be easy to sell if a borrower cannot keep up the repayments, and so will not lend.

However, if land is given planning permission and can, therefore, be used for building, it will immediately become much more valuable. It can be sold on for a price that reflects its potential to a builder.

A speculator can, therefore, profit by buying a plot of land, getting planning permission for it and selling it on. There is no need to actually build anything themselves.

This is known as planning gain.

Planning Gain Finance 

These can be greenfield sites that may be likely to form part of local authority development zones, run-down commercial property or brownfield sites, or residential developments where planning potential has not been maximised.

Planning Gain Finance can provide funding to buy potentially lucrative sites prior to planning consent being granted.

It can be repaid from the profits of selling on the land. Alternatively, it is possible for builders and developers to use the enhanced value of land that has achieved planning permission as the basis for raising additional funding to allow them to complete building work themselves. 

Up to 90% funding of the purchase price will be considered if the business case is strong enough.

What will Planning Gain Finance cost?

Like all Bridging Loans, the cost of Planning Gain Finance may be high but, once the planning permission is granted and the value of the property enhanced, refinance onto a Secured Loan may be possible, moving the debt to a lower interest rate until a buyer is found.

However, it is important to understand all the charges involved.

The rate of Interest charged will vary, depending on your circumstances, the scale of funding required and the prospects for gaining the necessary planning permission. Lenders will also want to know how the loan will be repaid - known as the exit strategy.

In addition to the interest cost, lenders will charge an arrangement fee for setting up the loan. This fee may be 2% of the loan amount, although this is sometimes discounted on larger loans. Fees and interest can usually be rolled up and settled with a single repayment.

Why you need Rangewell to find the Planning Gain Bridging arrangements that are right for you

Property Funding of all types is very competitive, and many lenders recognise the potential of planning gain. However, not all have the necessary experience to offer the rates and terms you would need to make your project viable.

At Rangewell, we have the expert knowledge that can not only help you secure the funding you need, we can help you find the most appropriate lender to provide it.

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 investors and developers can use Planning Gain Finance for all types of plots.
  • Reduce costs
    Getting the most cost-effective lending is essential we can help.
  • Raise funding for any plot
    Planning Gain Finance can be used for greenfield and brownfield sites.
  • Raise funds fast
    Bridging lenders can help you raise funding quickly.
  • No monthly repayments
    You may be able to raise funds without monthly repayments, with all costs being rolled up until the end of the arrangement.
  • Generate profits
    Planning gain can generate profits in most across the UK.

Download Rangewell’s free and detailed guide to Bridging Loans

How does a Bridging Loan work?

Is Bridging Finance classed as short-term finance?

How can a Bridging Loan support your business?

How do Bridging Lenders calculate the rate of interest on a loan amount?

What are the real costs - how do they vary between lenders?

Are all lenders authorised and regulated by the financial conduct authority?

What can a Bridging Loan be used for?

Is it a requirement that my business' registered office is registered in England and Wales?

The downsides of Bridging Loans

Bridging Finance options explained in more detail - including open and closed bridging loans, and pay monthly, rolled-up interest and retained interest short term loan

Completion dates for Bridging Loans explained clearly

What is the difference between a Bridging Loan, a Commercial Mortgage and a Buy to let Mortgage?

What paperwork do you need?

Are there administration fees with Bridging Loans?

What options have I for interest payments on a Bridging Loan?

Is it standard to make repayments every 28 days?

Guarantees and security

Key Terms to check

Download now

Can a commercial Bridging Loan be used for both commercial property and residential property if it is to be used for business purposes?

 Is business finance the same as commercial finance?

How do interest rates vary between term loans?

How does the value of the property affect how much you can borrow?

Do I need an exit strategy in place before applying for Bridging Finance?

Does my company have to be limited, registered in England and have a Companies House registration number to be eligible for business finance?

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You need to know how you will repayIt is essential to have a clear exit strategy to ensure the loan can be repaid to avoid paying high penalty interest rates.
Some Bridging Finance may require a regulated lenderIt is not always essential to use an FCA registered lender. Many reputable Bridging Lenders are members of the Association of Short Term Lenders, a self-regulating body which operates a strict code of conduct. Getting an expert view of which lender to use is essential.
Your property may be at riskYou should remember that a Bridging Loan works like a mortgage and property may be at risk if the loan repayments are not kept up to date.

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.