Land Bridging Loans

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Why Choose Us

0 %
5-star reviews on Google
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Us

0 %
5-star reviews on Google
£ 0
total donated to various charities
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Navigating the realms of property finance can be complex, but Ascot Mortgages, your dedicated broker, is here to guide you through the myriad options available without any hidden fee. In the diverse landscape of lending, land bridging loans have emerged as a versatile solution for many borrowers. These loans are specifically tailored for individuals and companies seeking to secure finance for land transactions.

What Our Clients Say About Us

5.0 Based on 122 reviews from review us onLucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!rafal W. ★★★★★ I would thoroughly recommend Phil Greenwood at Ascot Mortgages ltd to anyone looking to seek advice on purchasing a home.Phil was absolutely fantastic. He made the process very smooth and easy and was always there to answer any questions I had.Shahid L. ★★★★★ This company has been truly amazing in constantly giving me the support and help i need for my mortgage and for their continuous work ethic guiding customers like myself and educating them into making the best possible decisions. My special mention goes to Phil Greenwood who deserves every single credit for his brilliant work and communication skills. The more I got to work with Phil, the more he gained my respect as he is a hugely likeable man and possibly the best mortgage advisor yet. Even after I finished my time with Ascot Mortgages, I will never lose my trust in the company and I hope they exceed their business and gain even more success and popularity.Best wishes,Shahid Latif and familyPretty L. ★★★★★ Phil helped me renew my mortgage. He was great at keeping me updated with any rate changes and secured a lower rate than at the time my mortgage went through. Thank you Ascot for your supportNikki E. ★★★★★ Huge thanks to Richard Johnson for sorting out all of my insurance policies! I had accumulated a variety of life cover and various other policies over the years that all needed a good review and refresh. Richard was extremely patient and helped me to remove the duplication and choose the best cover to suit our current needs. I have used Ascot Mortgages for over 12 years and have met several members of the team, always finding the right help and support to work through what can be a complicated and stressful time. Thanks again, Richard!Aamir R. ★★★★★ As first time buyers we had very little understanding of how to go about applying for a mortgage. Phil was so helpful in cutting through all of the formalities and helping us to decide which mortgage would be best for us also ensured we collated all the details needed and kept us up to date on progress. The process of finding the right house was very stressful but the process of choosing and applying for the mortgage and life cover has been so straight forward that, at times, we were worried it was all a bit too smooth! Thank you for guiding us through this so professionally and with real understanding and personality.Andrew T. ★★★★★ Working with Richard at Ascot has been a great experience. He listened to us and was very professional throughout. This was our first experience with Richard but we've been using Ascot now for 6-7 years. Thank you all at AscotAngie B. ★★★★★ Always give a great service and find you a mortgage in a timely fashion.Alison is awesomeAndrew M. ★★★★★ We have used Ascot Mortgages for over 5 years now and have had excellent service throughout, primarily with Alison and Kevin. Our latest dealings have been with Richard Johnson who although new to us (and to Ascot I believe) has once again provided the 5 star level of service we have come to expect. His product knowledge is excellent offering a range of options supported with consistent communication and updates, always available on the phone or on email every step of the way.Ali H ★★★★★ Excellent service, a big thanks to Natalia Barry for her excellent support with my buy to let mortgage application, Natalia was professional, transparent, and kept me informed during all the process, and thanks to Jason jones for his assistance and support.david R. ★★★★★ I have dealt with Ascot for many years now and will always go back, recently had all my insurances re done by Richard Johnston at the firm, excellent service, communication and swift actions by Richard. Great deals on all three insurances and would recommend anybody to go to Richard for help. Thanks Richard 👍Eve Alexandra C. ★★★★★ We used Ascot Mortgages to purchase a home as first time buyers, Ellie assisted us with this and went above and beyond to ensure everything went smoothly, all questions were answered, and any queries were solved.As first time buyers, myself and my partner were quite nervous and clueless as to what to expect when getting a mortgage and what not, and Ellie made this so simple and explained everything in a way that we thoroughly understood what was happening with our house buying journey, without it being pure jargon.I can't thank Ellie enough, she truly has been a star during the whole experience and is an asset to Ascot Mortgages.She is someone who I would definitely recommend to friends and family if the opportunity arises, and has made this whole experience a very stress free and exciting one!Thank you for everything Ellie!Emma W. ★★★★★ Alison helped me to get the right mortgage for my current situation and was very supportivehelen L. ★★★★★ Phil Greenwood dealt with my recent remortgage, he made sure I had the best product to fit our HMO criteria. Then chased solicitors for me and made sure I completed around the date I wanted to avoid my ridiculous rate I was about to be switched to. Thanks Phil, great job! Ready for my next mortgage now so I will be coming back 🙂Mark C ★★★★★ Excellent service from an excellent representative. Very professional and helpful company. Thank you for all your helpDamian L. ★★★★★ I recently purchased a buy-to-let from Auction and Ascot Mortgages, in tandem with Ascot Bridging Finance, supported me through the whole process. Once the property purchase via a bridging loan was complete, Ascot Mortgages worked out the best options for me, despite the Banks rising interest rates and spiralling UK inflation and managed to secure me a competitive mortgage rate for that property. I wouldn't hesitate in going back to Ascot Mortgages in the future and look forward to working with them again in the near future. Thank you for everything you've doneJuliet B. ★★★★★ Thank you to Alison for helping us and sorting out our mortgage. Swift, reliable and very helpful. Very much appreciated. God bless you abundantly 👍👌🤝gareth P. ★★★★★ Been with Alison and team for more than 25 years. Needless to say, very happy...Jo T. ★★★★★ We have been using Ascot Mortgages for the last few years and they have done 11 buy to let products for us.We have found Alison, Phil, Jason, Jardelle and the team to be excellent at finding the best product for us and to work at pace when we are buying from auction and have a deadline to meet.Communication is very good and nothing is too much troubleBen H. ★★★★★ I can't recommend Ascot Mortgages highly enough.We have used them for all of our Mortgages . They are professional and friendly and have walked us through all our options, they always have the time to talk to you and go the extra mile to get you the best deal. It wont be long till I'm calling on their services again, I wouldn't go anywhere else.If you want a mortgage, there's only one place to go!Dog J. ★★★★★ Ascot went the extra mile to help me acquire a mortgage. With the help of Jason and Ellie I was able to get a competitive rate after 3 other firms had told me they couldn't help me. Great levels of communication throughout, I would highly recommend!Ursula B. ★★★★★ Alison was very friendly and professional in securing the right bridging for us and at a very competative price. This ensured that we were able to place an immediate offer and not miss out on our forever home. Later her help and support in finally getting our completion over the line was nothing short of a miracle. I would strongly recommend both Alison and the team at Ascot Mortgages.primrose C. ★★★★★ ALISON IS BY FAR THE BEST IN THE GAME. ALL WE CAN SAY IS THANK YOU SO MUCH. They are passionate on customer service, even in my frustrated time Alison, Jadelle, Ellie I could name them all. May the good LORD BLESS YOU.js_loader

Written by:

Phil Greenwood

Ascot Bridging Expert

Last Updated:


Written by:

Phil Greenwood

Ascot Bridging Expert

Last Updated:


How can Land Bridging Finance be used?

Land bridging finance is a multifaceted tool, with applications spanning a range of scenarios. Whether you are an individual, a developer, or a commercial entity, this type of loan can provide a bridge to meet your financial needs. Here are some common use cases:

  1. Land Purchase: Acquiring land for development, whether residential or commercial.
  2. Planning Permission: Securing funds to navigate through the planning permission phase.
  3. Development: Financing the initial stages of construction before securing a long-term mortgage.
  4. Auction Purchases: Swiftly accessing funds for buying land at auction.

Key Features of Bridging Loans for Land:

Bridging loans for land are characterized by several distinctive features that cater to the unique needs of borrowers. Some of the salient features include:

– Speed: Quick approval and fund disbursement.

– Flexibility: Customizable repayment terms and loan amounts.

– Short-term: Typically designed for temporary financial needs.

Interest Rates: Competitive rates to manage borrowing costs.

– Security: The loan is usually secured against the land or another property.

Lending Criteria for Land Bridging Finance

To avail of land bridging finance, borrowers need to meet certain lending criteria set forth by the lender. These typically include:

– Valuation of Land: A professional assessment of the land’s market value.

– Exit Strategy: A clear and viable plan for repaying the loan.

– Loan-to-Value (LTV): The proportion of the land’s value that can be borrowed.

– Borrower’s Profile: Assessment of credit history, financial stability, and experience, often assessed by a broker.

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Advantages of Land Bridging Finance

Opting for land bridging finance comes with a host of advantages:

  1. Speed: Rapid access to funds for time-sensitive land purchases.
  2. Flexibility: Tailored solutions that align with individual borrower needs.
  3. Opportunity Realization: Enabling borrowers to seize time-limited investment opportunities before they die out.
  4. Short-term Solution: Ideal for fulfilling immediate financial requirements while arranging long-term finance.

Disadvantages of Land Bridging Finance

While land bridging finance offers numerous benefits, borrowers should also be cognizant of potential downsides:

– Cost: Can be more expensive than traditional financing options, with additional broker fees.

– Risk: Potential risk of property repossession if the loan cannot be repaid.

– Dependency on Exit Strategy: The success of the loan is heavily reliant on a sound exit strategy.

Does the Land need to have Planning Permission?

For land bridging loans, having planning permission can enhance the appeal of the application. However, it is not a strict prerequisite. Loans can be secured for lands both with and without planning permission, depending on the lender’s criteria and the borrower’s exit strategy.

Loan-to-Value (LTV) for Land Bridging Finance

The LTV for land bridging finance typically ranges between 50% and 70%. However, this can vary based on the lender’s policies, the nature of the land, and the borrower’s financial standing.

Alison Gibson

Ascot Mortgage Expert


Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

Loan Duration for Land Bridging Finance

Land bridging loans are inherently short-term, generally ranging from 3 months to 24 months. The duration is influenced by the borrower’s needs, the development timeline, and the lender’s terms.

Information Required for a Land Loan Application

Applying for a land loan necessitates the submission of several key pieces of information:

– Details of the Land: Location, size, usage, and valuation.

– Purpose of the Loan: Clear articulation of the intended use of funds.

– Exit Strategy: Comprehensive plan detailing how the loan will be repaid.

– Financial Documentation: Evidence of financial stability and creditworthiness.

Types of Land Purchased in the UK

In the UK, the types of land purchased using bridging finance are diverse, encompassing:

  1. Residential Land: For the development of houses, apartments, and other dwellings.
  2. Commercial Land: Land intended for business premises, retail spaces, and offices.
  3. Agricultural Land: Land used for farming and agricultural activities.
  4. Mixed-Use Land: Combining residential, commercial, and/or agricultural uses.

In conclusion, Ascot Mortgages offers a gateway to the world of land bridging loans, guiding borrowers through every step of the journey. Whether you are looking to purchase, develop, or secure planning permission, our team of broker experts is here to help you navigate the options and find the perfect solution tailored to your needs without any unnecessary fees.

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Absolutely, having a mortgage on another property does not preclude you from applying for a land bridging loan with Ascot Mortgages. We assess each application based on its individual merits, the viability of the project, and your ability to repay the loan.

Generally, land bridging loans are versatile, and there are few restrictions on usage. The funds are typically utilised for purchasing land, securing planning permission, or starting development. However, it is essential to clearly state the purpose of the loan in your application and discuss it with our team at Ascot Mortgages to ensure compliance with UK regulations.

If you anticipate difficulties in repaying your land bridging loan on time, it is crucial to contact Ascot Mortgages at the earliest opportunity. We are committed to finding a resolution and may discuss options such as restructuring the loan or exploring alternative financing solutions, all in accordance with UK lending practices and regulations.

Extensions of the loan term may be possible, subject to an assessment of your circumstances and the reasons for the extension request. Ascot Mortgages evaluates such requests on a case-by-case basis, ensuring alignment with UK lending guidelines and the borrower’s capability to fulfil the revised terms.

Yes, employing a solicitor is a requirement for obtaining a land bridging loan as it involves legal processes such as land transfer and securing charges on the property. A solicitor will ensure that all legalities are correctly managed and that both parties’ interests are protected, in adherence to UK property law.

Certainly, one of the common uses of land bridging loans is for property development. Whether you are commencing a new build, renovation, or securing planning permissions, Ascot Mortgages can tailor a loan to suit your specific development needs, in compliance with UK financial regulations.

Applicants for land bridging loans typically need to be at least 18 years of age. However, some lenders, including Ascot Mortgages, may have additional age-related criteria depending on the loan type and term. We recommend discussing your individual circumstances with our team to ascertain eligibility. For any additional questions or tailored advice, please do not hesitate to reach out to our dedicated team at Ascot Mortgages, and we will be happy to guide you through the process.

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