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Land Finance | Loans for Land Purchase & Development | EAS Finance
Land Finance | Loans for Land Purchase & Development | EAS Finance
Land finance is one of the most complex areas of property funding - lenders take very different views on planning status, location, and exit strategy. EAS Finance works with specialist land lenders across the UK to arrange finance for sites with and without planning permission, from initial acquisition through to development drawdown. If you've found the right site, we'll find the right funding.
Land Finance: Unlocking Potential from the Ground Up
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.
We start preparing your next step in advance of your need for development finance
We guide you step by step, shaping your plans, costings, and documentation into a lender-ready pack that answers questions before they arise. By presenting a complete and coherent case, we give lenders confidence — and give you a far more predictable and fruitful journey through the approval process.
Common Mistakes in Seeking Land Finance
Committing to a purchase without confirmed finance
Land deals often move quickly. Without early funding arranged, you risk losing your deposit or missing the opportunity completely.
Overvaluing land without planning consent. A site’s value can fall sharply if planning isn’t secured. Lenders will always value based on planning status, not optimism. Many deals unravel because this is misunderstood.
Underestimating planning risk
Some lenders won’t touch land without planning; others will, but at reduced LTVs with tighter conditions. Knowing the lender’s appetite upfront is critical.
Forgetting the cost of holding land.
While waiting for planning, costs mount: business rates, security, maintenance, insurance, and interest. These can erode margins faster than expected.
Failing to align land finance with development funding. If the intention is to build, the land facility must dovetail into development finance. Poor planning creates refinance gaps, delays, and unnecessary costs.
Email Or Call For A Safe Journey
Once the land is secured and planning is in place, the next phase is typically a tailored Development Finance facility to realize the site’s GDV
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