In this episode of The Bridging Finance Broker podcast, host Ashley breaks down how bridging finance on land actually works—from raw plot acquisitions to sites with full planning approval.

Ashley explores the stark contrast in lender appetite and property valuation between pre-planning and post-planning land. Because un-permitted land appeals to a much smaller market, lenders treat pre-planning deals as high-risk, typically capping funding at 50% gross LTV (which nets down to roughly 40%). Ashley details how specialist lenders evaluate these deals, how to structure title splits, and how securing planning permission can rapidly transform land value.

What you'll learn in this episode:

• Pre-Planning vs. Post-Planning Valuation: Why un-permitted land carries lower valuations and how approval from a local authority fundamentally changes land equity.
• Pre-Planning LTV & Equity Requirements: Why pre-planning bridging loans cap at 50% gross LTV, requiring borrowers to contribute up to 60% in cash or existing equity.
• Lender Due Diligence: How internal real estate teams at specialist lenders research local planning precedents before approving a loan.
• Real Case Study (Garden Title Split): How a client split a garden title valued at £75,000 pre-planning, secured approval for a 6-bed house with a £550,000 Gross Development Value (GDV), and watched the land valuation jump to £200,000.
• Day-One Advances & Stage Drawdowns: How the client secured a £65,000 gross (£50,610 net) day-one advance on the land value to pour foundations, unlocking subsequent £200,000 tranche drawdowns to finish the build.
• The Pitfalls of Exit Strategies: What happens to your debt and repayment plan if a local authority rejects your planning application.

Whether you are looking to purchase a raw plot, pull equity out of existing land, or fund a ground-up development, tune in for practical, jargon-free advice on land bridging loans

For more information and to contact Ashley personally visit Bridging Finance Broker