Land Bridging Finance

From

0.95%

Up to 55% LTV
Secure a site quickly
Extend project timeline
Option to fund works

Fast funding for the acquisition of land with planning

Secure land with planning permission in place by leveraging the site’s residual value. Land finance gives you the time and flexibility to complete the acquisition before moving onto longer-term development funding.

Product Guide

Deals we fund

Typical land transactions include auction purchases, option agreements and urgent acquisitions, where speed and certainty of funding are critical. We support developers in securing consented sites quickly, whether acquiring land ahead of development, exercising options or progressing time-sensitive opportunities.

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Auction Purchase

Option Purchase

Urgent Purchase

Planning Gain

Key facts

Loan amount	Up to £1 million
Loan term	Up to 12 months
Loan-to-value (LTV)	Up to 55%
Monthly rate	From 0.95% per month
Planning required	Yes
Security	First charge
Ownership	Individual or SPV
Region	England and Wales

Full Product Guide

Our process

We apply disciplined underwriting to deliver land funding that supports acquisition while preserving flexibility for the next stage.

1. Evaluate

We assess the residual value of the site and your plans to enhance planning or progress the development.

2. Optimise

We structure funding to maximise day one leverage while ensuring a clear route into development finance.

3. Execute

We complete the facility with covenants aligned to your planning strategy and development timeline.

Contact our sales team

Mark Marlow

Head of Sales
mark@colenko.com
020 4576 9470

Lee Moran

BDM, London and South
lee@colenko.com
020 7948 9706

Why choose Colenko?

Choosing a lender is about more than rate. With Colenko, you gain a proactive partner, clear communication at every stage, and the necessary experience to keep your transaction moving from first conversation through to completion.

Clarity

We lend with a clear understanding of your circumstances, providing full transparency on what we can offer. By assessing your situation thoroughly, we deliver funding that works from the outset.

Communication

We keep you informed throughout the process with clear, straightforward updates. You can move forward with confidence, supported by consistent and reliable communication.

Commitment

When we issue terms, we stand behind them. We navigate complexity, overcome challenges, and remain committed every step of the way to ensure your loan progresses smoothly to completion.

Highly Commended Bridging Lender of the Year 2025 NACFB

What our clients say

Here’s what clients say about working with Colenko. From first conversation to completion, we focus on clear communication, practical solutions, and keeping deals moving.

“I had a really positive experience with Colenko. The team stepped in and helped complete the deal smoothly. They were proactive throughout and communication was clear from start to finish. The process was well managed and efficient. I’d happily recommend them.”

Marianne, Kensington

“Our broker recommended Colenko and, given our tight timeframe and first auction purchase, we were initially a little hesitant. However, the team were excellent from the start. They were supportive, attentive and kept us updated while guiding us through the process.”

Olu, Lewisham

“We’ve worked with Colenko on several transactions and the experience has always been smooth. The team act quickly to ensure deals complete on time, even with tight auction deadlines. Their responsiveness and efficiency make the whole process straightforward.”

Michael, Oxford

Frequently asked questions

Can I purchase land with planning using a bridge loan?2026-03-03T16:31:50+00:00

Can I purchase land with planning using a bridge loan?

Yes, you can. Land bridge finance can be used to secure a consented site, typically with the expectation that it will move onto a development facility later. Lenders will assess the residual value of the site and the viability of the proposed scheme before confirming terms.

Can I purchase land without planning using a bridge loan?2026-03-03T16:32:21+00:00

Can I purchase land without planning using a bridge loan?

Yes, it’s possible. Funding is usually considered where there’s a strong and credible route to planning permission. Experience of the developer, planning context and downside security all influence whether terms are available.

Can I refinance an existing bridge secured on land with planning?2026-03-03T16:32:39+00:00

Can I refinance an existing bridge secured on land with planning?

Yes, refinancing can be considered where there’s a viable development strategy. This may include situations where the sponsor is enhancing planning consent or preparing to move into a full development facility. The strength of the exit plan will be key.

Can I raise capital against land with planning for unrelated projects?2026-03-03T16:33:05+00:00

Can I raise capital against land with planning for unrelated projects?

Sometimes, but it depends on lender appetite. Many lenders prefer funds to be used to progress the scheme secured against the land. Using proceeds for unrelated projects can increase risk and may affect available leverage and pricing.

Speak to a land bridging finance expert

Need to move quickly on a consented site? Speak to our team about short-term land funding and your route into development finance.