Land with Planning

Up to 70% of the consented land value, which reflects the planning consent. This is significantly higher than unplanned land because the consent materially increases the site�s market value. The valuation will be based on the consented use � for example, residential development land is valued on a residual basis considering the approved scheme.

Yes. Outline planning (or permission in principle) establishes the principle of development but leaves detailed matters � access, appearance, landscaping, layout, and scale � to be approved later. Lenders typically offer slightly lower LTVs on outline consent compared to full detailed permission, reflecting the residual uncertainty. However, many lenders are comfortable at this stage, particularly if the local authority has shown clear support.

As quickly as 7�14 days in urgent cases, though 2�3 weeks is more typical. Land valuations can sometimes be expedited where the site is well-documented and the planning consent is clear. For auction purchases with a 28-day completion deadline, we routinely meet the timeframe. The key is getting us involved early � ideally before you exchange or bid.

The two main exits are: transitioning into a development finance facility to fund the build phase, or selling the consented site to another developer at the planning uplift value. Some borrowers also refinance onto longer-term land banking products if they plan to hold the site. We help you plan and arrange whichever exit works best for your strategy.

Yes. Full detailed planning permission attracts the best LTVs and rates. Outline consent (permission in principle) is funded but at slightly lower leverage. Reserved matters applications pending can affect terms. The more progressed the consent, the better the funding terms.

Planning consent typically lasts 3 years from grant. If expiry is imminent, you may need to commence development to preserve it. Lenders check consent validity during due diligence. We factor expiry timelines into the facility term to ensure you have adequate time.

Yes. Planning gain — buying land, holding consent, and selling to a developer at the uplifted value — is one of the most profitable property strategies. The bridging facility covers the acquisition and hold period. Your exit is the sale at the planning uplift.

The Community Infrastructure Levy is payable when development commences, not when land is purchased. However, CIL liability reduces the residual land value and therefore the valuation for lending purposes. The surveyor factors CIL into the site appraisal.