Land Finance

Land Finance – Unlocking Potential from the Ground Up

Land offers some of the best opportunities in property, but only if the right funding is in place at the right time.

Whether you’re buying a prime development plot, refinancing existing land, or unlocking value from a site you already own, the right finance can turn a stalled opportunity into a completed project.

We arrange land finance for all types of sites — from raw, undeveloped plots to fully serviced land with planning consent. Our lender network understands the nuances of land deals, including complex planning, infrastructure requirements, and mixed-use potential.

Common Mistakes in Land Finance

1. Buying without confirmed finance – land deals often move fast. Without funding in place, you risk losing your deposit or missing the deal entirely

2. Overestimating value without planning – a site’s worth can drop sharply if planning consent isn’t secured; lenders will always value accordingly

3. Ignoring planning risk – many lenders won’t touch land without consent, or they’ll only lend at reduced LTVs

4. Underestimating holding costs – rates, maintenance, and insurance can erode margins quickly while waiting for planning

5. Not aligning land finance with development plans – if your goal is construction, make sure your land finance transitions smoothly into development funding