Land Finance
With or without planning, we have the expertise to assist your requirements to either fund the purchase or release capital on land if owned. Having completed on sites in upwards of £100m of single asset value, we have the knowledge, expertise and contacts to obtain finance and advise you along the way.
As land transactions are often not without their complexities, we work with you to tailor a solution that fits your needs
Key Features
Typically required to purchase quickly, at under value or to gain/variate planning on a development site. This then enables development finance to be sourced and put in place to build out the scheme or for the site to be carved up and sold to other developers.
- 70% LTV, 100% against purchase price
- Fast completion
- With or without planning
- Utilise an 'option' to purchase at under value
- Fully structured, bespoke debt advisory
- All planning considered (prime/comm/resi)
- All UK and certain EU jurisdictions considered
- Terms: 3 month - 5 years
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While we can assist with land with no development angle, most of the requests we receive originate from developers. Accessing capital and properly structuring the component parts of the capital stack can make or break a real estate transaction. We can assist developers who have the track record and development expertise. Not all sites are spade ready and often these come at a premium or a reduced profit return so using land bridging should be an essential tool for every developer.
An example
An agreement to purchase a piece of land with without planning for £1m (this could be via an option/lock-out/exchange) with a time period to purchase 1-3 years, or a number of months after planning is obtained. The client progresses planning in the background using their own funds and team. Planning is granted on the site and now has a market value of £2m. Land finance is structured to provide £1m, 100% of purchase costs, but 50% of market value, to enable the developer to minimise their own capital. Following the purchase, we would work with the developer to structure development finance to build out the site or it is sold on.
Land bridging loan uses
There are many reasons why people choose to take out this type of borrowing. Some of the more common reasons are as follows
- To complete the purchase of a piece of land quickly
- To raise capital needed to use elsewhere
- To fund a planning application, allowing the land to ultimately be developed
- Completing a purchase that has been agreed subject to planning where funding can be raised against the value up to 100% of the purchase price
Why use us?
Trust builds relationships, relationships create results
We can advise on a solution, cost, timings etc from the initial consultation. We can also act quickly to source the funding you require with unrivalled knowledge of the market and process. We assist you through the application and liaise with relevant professionals
To raise capital needed to use elsewhere
To fund a planning application, allowing the land to ultimately be developed
Completing a purchase that has been agreed subject to planning where funding can be raised against the value up to 100% of the purchase price