Land Bridging Finance
Million Plus Private Finance provides bespoke land bridging finance solutions for land acquisition and development projects. We structure short-term loans for high-net-worth clients, investors, and developers, offering speed, flexibility, and discretion. Our team works with private banks and specialist lenders to deliver finance tailored to complex portfolios and development objectives.
Why Choose Million Plus Private Finance For Land Bridging Finance?
Land bridging finance requires rapid access to capital and specialist structuring. Million Plus Private Finance arranges bespoke short-term loans for land acquisitions, development sites, and property portfolios. We structure lending to present complex financial profiles, multi-property holdings, and international assets to private banks and specialist lenders. Interest-only and hybrid repayment options provide liquidity while preserving capital. Clients benefit from discretion, competitive rates, and fast access to funds. Whether acquiring land for development, refinancing existing sites, or preparing for construction, Million Plus Private Finance ensures lending solutions are tailored to client objectives.
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Million Plus Private Finance specialises in land bridging finance for high-net-worth clients and developers. We structure bespoke short-term loans to secure land acquisitions, prepare sites for development, or refinance portfolios. Where planning consent is pending or conditional, we work with lenders comfortable underwriting planning risk within defined parameters.
Loans are tailored to present multi-property holdings, complex income streams, and international assets to lenders. Interest-only and hybrid repayment options provide flexibility while preserving capital. Our team manages valuations, lender communication, and legal documentation to ensure a smooth, confidential process. Clients benefit from competitive rates, discretion, and lending solutions aligned with development objectives and investment strategies.
case studies
Mortgage Closings
Land bridging finance requires specialist expertise and trusted lender relationships. Million Plus Private Finance considers all aspects of a client’s portfolio, including multiple properties, development sites, and international holdings, when structuring short-term land loans.
We arrange land bridging finance for acquisitions, site preparation, and portfolio refinancing, often where timing is critical or conventional lenders are unable to proceed. Where planning consent is pending or conditional, we work with lenders comfortable underwriting planning risk within defined parameters, supported by clear exit strategies.
Interest-only and hybrid repayment options are commonly used to optimise cashflow while preserving capital during planning, design, or pre-construction phases. For clients with multiple assets, land bridging facilities can be combined with multi-property or multi-asset lending structures to increase flexibility and borrowing capacity.
Million Plus Private Finance manages the entire process, including valuations, lender submissions, and legal coordination, ensuring a smooth and confidential transaction. By aligning lender appetite with project timelines and market conditions, we secure competitive terms and repayment structures tailored to each client’s broader investment strategy. Whether the objective is development funding, asset repositioning, or portfolio growth, our land bridging solutions are structured to support long-term outcomes rather than short-term fixes.
frequently asked questions
Mortgage Questions Answered
What is land bridging finance?
Land bridging finance is a short-term loan used to acquire land, refinance existing sites, or fund early-stage development activity. It is commonly used where speed is critical, planning consent is pending, or traditional lenders are unable to proceed within required timeframes.
Is land without planning consent eligible for bridging finance?
Yes. Land without planning consent can be financed using a bridging loan, subject to lender appetite, valuation approach, and a clearly defined exit strategy. Loan terms, pricing, and loan-to-value ratios typically reflect the level of planning risk and the site’s location.
Can bridging finance be used to purchase land?
Yes. Bridging finance can be used to purchase land where timing is critical or where conventional lenders are unable to meet acquisition deadlines. Bridging finance for land is frequently used for development plots, strategic land, and sites awaiting planning consent.
Is land without planning consent eligible for bridging finance?
Yes. Land without planning consent can be financed using a bridging loan, subject to lender appetite, valuation methodology, and a clearly defined exit strategy. Loan terms, pricing, and loan-to-value ratios typically reflect the level of planning risk and the site’s location.
How does bridging finance for land differ from property bridging finance?
Bridging finance for land is typically assessed more conservatively than property bridging finance. Lenders place greater emphasis on planning status, exit strategy, borrower experience, and site characteristics, which can affect loan-to-value ratios and pricing.
What types of land can be funded with a bridging loan?
Land bridging finance can be used for a wide range of sites, including residential plots, commercial land, mixed-use development sites, brownfield land, and strategic land holdings. Each site is assessed individually based on use, planning status, and exit strategy.
How long are land bridging loan terms?
Typical land bridging loan terms range from 6 to 12 months, although shorter or longer terms may be available depending on the lender and the project timeline. Terms are often aligned to planning milestones, site preparation, or a refinance into development finance.
What loan-to-value (LTV) ratios are available for land bridging finance?
LTV ratios vary depending on planning status, location, and exit strategy. For land with planning consent, LTVs can reach approximately 65 to 70%. For land without planning, LTVs are usually lower to reflect additional risk.
Are interest-only or rolled-up interest options available?
Yes. Most land bridging loans are structured on an interest-only or rolled-up interest basis. This allows borrowers to preserve cashflow during planning, design, or pre-construction phases while deferring capital repayment until exit.
Can multiple land plots be included in a single bridging loan?
Yes. Multi-plot or multi-site land acquisitions can often be financed under a single bridging facility, subject to valuation and lender approval. Consolidated lending can simplify funding and improve execution where timing is critical.
What exit strategies are acceptable for land bridging finance?
Common exit strategies include sale of the land, refinance onto development finance, refinance to a longer-term investment facility, or disposal of other assets within a wider portfolio. Lenders will assess the realism and timing of the proposed exit at the outset.
How quickly can land bridging finance be arranged?
With appropriate preparation, land bridging loans can complete in a matter of days or weeks. Timelines depend on valuation, legal complexity, planning status, and lender requirements. Early structuring and documentation are key to a smooth process.
Can land bridging finance be combined with other assets or lending facilities?
Yes. Land bridging finance can be structured alongside other assets such as investment properties, development sites, or financial assets to enhance borrowing capacity. Multi-asset and portfolio-based solutions are common for high-net-worth clients.
Do you arrange land bridging finance for international or cross-border clients?
Yes. Land bridging loans can be structured for UK-based land acquisitions involving international clients, offshore structures, or multi-currency income streams, subject to lender criteria and regulatory considerations.
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Finance Without Limits
From land acquisitions to multi-site development projects, Million Plus secures bespoke lending solutions beyond high street limits. We provide private bank access, flexible repayment structures, and tailored financing for high-net-worth clients and developers.
