Land finance
Land with planning
Funding a consented site before a spade goes in the ground, and holding it until the build facility starts.
What it is
Consented land is an asset. Unconsented land is a bet.
Brief: explain how sharply lenders distinguish land with implementable consent from land without it, and what that does to LTV and rate.
[DRAFT] Explain the funding difference between land with detailed consent, land with outline consent and land with hope value only.
[DRAFT] Cover the conditions attached to a consent, discharge of pre-commencement conditions, and why lenders check whether the permission is implementable.
[DRAFT] Explain the two routes: a land bridge that later refinances into development finance, or a single facility covering land and build.
Use cases
When land funding is needed.
Brief: tie each to a real transaction shape.
Option or conditional contract completing
[DRAFT] Where consent has been granted and the contract must complete within a set window.
Buying before the build team is ready
[DRAFT] Securing the site while the contractor, warranty and build costs are finalised.
Discharging pre-commencement conditions
[DRAFT] Holding the site while conditions are cleared and the build facility is arranged.
Outline consent only
[DRAFT] Lower leverage funding while reserved matters are pursued.
Serviced plots
[DRAFT] Infrastructure-first sites sold on to self-builders.
Strategic land
[DRAFT] Where the exit is a sale to a housebuilder rather than a build-out.
Indicative terms
What lenders will advance.
Brief: check the LTV split between detailed and outline consent against live cases.
| Measure | Typical range |
|---|---|
| LTV — detailed planning | [DRAFT] Up to 65% |
| LTV — outline planning | [DRAFT] Up to 50% |
| LTV — no planning | [DRAFT] Up to 40%, limited appetite |
| Monthly interest rate | [DRAFT] 0.75% – 1.25% |
| Term length | [DRAFT] 6 – 24 months |
| Exit | [DRAFT] Development facility, sale or refinance |
Lenders price the certainty of the consent, not the size of the site.
Go deeper
The stage before development finance.
[DRAFT] Short paragraph explaining how a land facility rolls into a development facility, with links to the development page and the GDV calculator.
Questions
The things people ask first.
Site agreed and consent granted?
[DRAFT] One line asking for the planning reference, the price and the intended build start date.
Same working day response.