Land Mortgages

Are you considering purchasing land?

We can help!

We work with many land bank lenders in the UK and overseas and we can obtain very generous loan-to-values for you - loans available for individuals, limited companies, PLCs, partnerships, LLP's and pension funds.

We can generally obtain up to 85% of the land's value and 85% of any build cost - some lenders where the land is unencumbered and of sufficient worth lend up ro 100% of the build.

There are 2 broad categories of land mortgage - "own use" and investment.

'Own Use' Mortgages

The more common type of land mortgage is the "own use" mortgage which is aimed at those buying land to be used for running some kind of business. An "own use" mortgage can be used to buy land for many different purposes, for example:

Farmers
Woodland for commercial timber exploitation
Property Developers
Plots for residential development
Sites for retail development
Sites for industrial/warehouse development
Leisure facilities, i.e golf courses
Landfill
Mining/Quarrying
Windfarms

Investment Mortgages

An investment mortgage is used to buy land that is to be rented to a third party in order to generate income, rather than being used directly by the borrower.

Examples include:

Land with fishing or shooting rights
Lock-ups
Grazing land
Car parks
Storage