With the rise in self-build projects, lifestyle relocations, and small-scale developments, many people are asking: can I get a mortgage to buy land? The short answer is yes—but it's more complex than financing a traditional home purchase.

In this guide, we’ll explore how land mortgages work, what lenders require, and your options in 2025 if you want to finance a plot in the UK.

Can You Get a Mortgage for Land?

Yes, but not through standard residential mortgage products.

Land purchases—especially if the land is undeveloped—are usually funded via:

• Specialist land finance lenders
• Self-build mortgages (with staged release)
• Development finance (if planning permission is granted)

The lending depends heavily on what you plan to do with the land, how much planning permission you have, and your exit strategy.

3 Key Scenarios for Land Mortgages

1. Buying Land With Full Planning Permission (Self-Build Project)

This is the most straightforward route. With detailed planning permission (DPP) in place, lenders may offer a self-build mortgage. Funds are released in stages—typically:

• Land acquisition
• Foundation stage
• Wall plate level
• Wind and watertight
• Completion

You’ll need to provide detailed costings, timelines, and building regulations approval.

2. Buying Land With Outline or No Planning Permission

If you’re buying land speculatively—hoping to gain planning later—your options are more limited. Most mainstream lenders won’t fund this, but some private or niche lenders may offer short-term land finance with:

• Higher deposits (40–50% minimum)
• Shorter terms (12–24 months)
• Higher interest rates

This is typically used by developers and experienced investors.

3. Buying Land for Commercial or Agricultural Use

If you’re purchasing farmland or land for commercial development, you’ll need a lender that specialises in:

• Agricultural finance
• Commercial land loans
• Mixed-use property finance

These lenders assess viability differently, often valuing the land based on existing or projected income.

How Much Deposit Do You Need?

Land finance is considered higher risk, so lenders usually require:

• 25–40% deposit (with full planning)
• 40–50%+ deposit (without planning)

For self-build mortgages, lenders may accept a lower deposit if the build cost is low relative to the future value (GDV).

What Do Lenders Look For?

Whether you’re an individual buyer or developer, expect lenders to scrutinise:

• Planning status (detailed vs. outline vs. none)
• Utilities and access (mains water, roads, etc.)
• Build schedule and budget
• Exit strategy (e.g. sale or refinance upon completion)
• Your experience and credit profile

How Does the Process Work?

1. Land Valuation: A surveyor will assess the land’s market value and potential resale value after build (if applicable).
2. Legal Checks: Solicitors will verify title, access rights, and planning status.
3. Funding Approval: The lender issues an offer based on the phased drawdown and cost plan.
4. Completion: Funds are released according to the agreed milestones.

Tips for First-Time Land Buyers

• Work with an experienced broker who knows the specialist lenders
• Have your planning permission in place before applying
• Get clear build costings and timelines—professional input matters
• Don’t underestimate legal complexities—access rights and title issues are common deal-breakers
• Understand your exit—whether it’s selling the completed property or remortgaging

Can You Use a Bridging Loan for Land?

Yes. Bridging finance can be used to:

• Purchase land quickly (e.g. at auction)
• Bridge until planning permission is granted
• Fund land assembly ahead of development

Bridging is usually fast, but expensive—so it’s best used short-term, with a clear exit.

Final Thoughts

Getting a mortgage to buy land in the UK is possible—but it’s not a standard process. With the right planning, broker support, and lender match, land finance can unlock big opportunities—whether you’re building your dream home or developing your next project.

📞 Want Help Navigating Today’s Market?

Book a free strategy call with one of our mortgage specialists.

We’ll help you find the smartest way forward—whatever rates do next.