Land Bridging Loans
Land with or without planning permission
Land Bridging Finance
Aura Capital provides Fast & Flexible Bridging Finance on Land with or without planning. We offers developers and investors the highest loan to value’s in the market on land with full planning permission, outline consent, or no planning at all.
With the right case, we can secure high-leverage facilities, rapid decisions, and funding that aligns with auction deadlines, acquisitions, and refinance requirements.
Rapid decisions - ideal for 28-day auction deadlines and urgent acquisitions
Funding available on land without planning consent
High loan-to-value (LTV) up to 65% LTV of the Market Value
Flexible exit strategy — refinance, sale, or development finance
What Is a Land Bridging Loan?
A land bridging loan is a short-term facility secured against land. It is designed to help borrowers:
Purchase land quickly
Refinance existing land debt
Secure strategic land before planning is achieved
Bridge until development finance is ready
Release equity tied up in a site
Land bridging loans are typically used when speed matters, planning is still in progress, or when mainstream lenders are unable to lend until later stages of the project or due to lack of income from the property or the borrower.
Why Land Bridging Loans Are Popular
Land bridging is often used when traditional lenders cannot move fast enough. Common benefits include:
Speed – ideal for auction purchases and 28-day deadlines
Higher leverage compared to private investors or banks
Flexibility – lenders will consider sites with no planning
No need to wait for planning consent before securing the site
Capital release – borrowers can raise funds for planning fees, early works, legal costs, or other projects
For borrowers and brokers, that usually means:
Faster credit decisions
Funding based on current land value rather than full planning
Reduced delays around planning uncertainty
Deals completing within tight timeframes
Land With No Planning Permission
We are able to bridging land with or without planning and can structure funding on sites at any stage of the planning cycle. Whether the land has full consent, outline permission or no planning at all, we are able to secure competitive terms and fast completions from specialist lenders who only work with selected introducers.
Aura Capital has arranged funding for a wide range of land scenarios, including:
Auction purchases with 28-day deadlines
Strategic land acquisitions ahead of planning uplift
Sites awaiting planning where value will increase once consent is secured
Refinancing expiring land debt to avoid costly extensions or enforcement
Equity release against owned land to fund planning, early works or new acquisitions
Land assembly for larger developments, combining multiple titles into one project
Land With Planning Permission
Where planning is already in place, bridging lenders can often:
Offer higher leverage
Move faster (no planning risk to assess)
Provide more competitive terms
Common scenarios include:
Completing the purchase before development finance is finalised
Refinancing after planning uplift
Raising capital for professional fees, pre-commencement costs, or enabling works
Frequently asked questions
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A land bridging loan is a short term loan secured against land. It is used to fund purchases, refinance existing land debt, or release equity while a longer term exit such as development finance, sale, or refinance is arranged.
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Yes. Land without planning, outline planning, or full planning can all be funded. For land with no planning approval, lenders typically want strong existing use value, a sensible purchase price, a clear planning strategy, and a realistic exit.
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Most cases complete within a few weeks. Auction purchases with 28-day deadlines are common, and lenders and solicitors are used to working quickly.
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Terms usually range from 6 to 18 months, depending on the planning timeline, the chosen exit, and whether development finance will follow.
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Land bridging loans can be used for auction purchases, strategic land acquisitions, sites awaiting planning, refinancing expiring land loans, equity release, and land assembly for larger schemes.
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Developers, investors, and landowners who need to secure sites quickly, fund pre-planning work, or refinance existing facilities. International buyers also use land bridging loans when they require fast decisions.
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Common exits include refinancing onto development finance when planning is achieved, refinancing onto longer term debt if the land generates income, or selling the land after planning uplift.
