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Property Finance
Land Finance
Finance for purchasing land with or without planning permission, for development or investment.
Loan Range
£50,000 – £10,000,000
LTV
Up to 70%
Terms
6 – 36 months
Decision
2–4 weeks
Key Features
- Land with or without planning
- Up to 70% of land value
- Short or long-term options
- Development exit available
Use Cases
- Purchase development land
- Strategic land acquisition
- Self-build plots
- Agricultural land
Eligibility Criteria
Identified land for purchase
Planning status (or plans to obtain)
Clear strategy for land use
Exit strategy
Documents commonly requested
- Recent business bank statements
- Latest filed accounts and current management information
- Identification and business ownership information
- Evidence supporting the funding purpose
- Property, asset, invoice or contract information where relevant
The exact list depends on the facility and lender. Documents are requested only when relevant to the application.
Important considerations
- Compare the total cost, not only the headline rate
- Understand arrangement, valuation, legal and exit fees where applicable
- Check how repayments affect business cashflow
- Review security, debenture and personal-guarantee requirements
- Consider early repayment and default provisions before signing
How it works
- Tell us about your funding need
- We compare the whole-of-market lender network
- Receive competitive offers tailored to you
- We manage the application to completion
Why use FinanceMyCompany?
- Whole-of-market lender access
- Transparent, fee-clear advice
- Dedicated finance specialist
- Fast, straightforward process
Land Finance — Frequently Asked Questions
Can I get finance for land without planning?
Yes, but rates will be higher and LTV lower. Finance becomes cheaper once planning is obtained.
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