Land Mortgage Calculator UK
Get an instant, indicative figure for how much you could borrow against land in the UK. Enter a land value and adjust the LTV slider below — no contact details required.
Land Mortgage Calculator
Calculate an indicative loan amount and total costs
Aura Capital Loan Breakdown
To explore different loan structures, enquire with one of our team.
Land value × LTV — the total facility size before any fees or interest are deducted.
Interest for the full term, deducted from the advance upfront so there's nothing to pay monthly.
What actually lands in your account after interest, fees and legal costs are taken off.
Types of Land We Finance
- ✓ Agricultural and rural land
- ✓ Land with outline planning permission
- ✓ Brownfield redevelopment sites
- ✓ Land with full planning consent
- ✓ Land without planning consent
- ✓ Strategic land and land banking opportunities
- ✓ Greenfield land
- ✓ Auction land with tight completion deadlines
How the Calculator Works
This tool gives a quick, indicative figure using the same rate assumptions our lenders typically apply to a land bridging loan at low-to-mid LTV. It's a starting point, not a quote — your actual rate, maximum LTV and net loan depend on the land's planning status, location and your exit strategy.
Enter the land value
Use the current market value or your agreed purchase price.
Adjust the LTV slider
Move it to reflect how much of the land's value you want to borrow, up to 65%.
Review the breakdown
See gross loan, retained interest, fees and your estimated net loan instantly.
Speak to a specialist
Submit an enquiry to get a real quote based on your land's planning status and exit route.
Want the full picture?
Rates, maximum LTV by planning status, eligibility, exit strategies and real case studies are all covered in our detailed land bridging loans guide.
Calculator FAQs
It gives a close indicative estimate based on typical land bridging rates and fees, but it can't account for your land's specific planning status, location, or exit strategy — all of which affect your actual rate and maximum LTV. Use it as a starting point, then speak to one of our advisors for an accurate quote.
No. The calculator runs entirely in your browser and doesn't perform any credit check or require any personal details. Nothing is submitted unless you choose to enquire.
65% is the typical ceiling for land with full planning permission. Land with outline planning, no planning, or agricultural land usually achieves a lower maximum LTV — see the land bridging loans guide for the full breakdown by land type.
This calculator is an instant, automated estimate. A quote is prepared by one of our advisors after reviewing your land's planning status, location, valuation and exit route, and reflects real lender terms rather than indicative assumptions.