Mortgage guide
Can you apply for a Land Bridging loan before the Auction?
You can start an application before the auction. This allows time for underwriting, a valuation and legal-pack checks before the completion deadline.
- Published
- 13 Apr 2026
- Last reviewed
- 8 Oct 2026
- Reading time
- 2 min
Can you apply for a Land Bridging loan before the Auction?
Yes. Applicants can apply for a Land Bridging product before the auction, which means that your broker can start underwriting your case, instruct a valuation and request the legal requisition so you are aware of what items you will need to provide, way ahead of time. This can create good punctuality with the 28 days that you have to complete in a traditional auction. This will also give you the opportunity to have your solicitor advise you on the legal pack and to have enough time to choose the correct product.
Bridging calculator
Land bridging loan criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Borrowers | Personal, Ltd co, LLP, Trusts, Offshore Trusts |
| Repayment type | Interest only |
| Max Loan to Value (LTV) | 65% max |
| Term | Max 36 months |
| Minimum loan | £40,000 |
| Experience | Not required |
| Max applicants | 6 |
| Uses | Agricultural land, business use, self build, pre-planning |
Published indicative terms for the wider product category are shown for context. They are not a quote for the specific circumstances discussed in this guide.
| Loan to value | Rate |
|---|---|
| 65% LTV | 0.62% per month (2% lender fee) |
| 75% LTV | 0.72% per month (2% lender fee) |
| 85% LTV | 0.9% per month (2% lender fee) |
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Frequently asked questions
Can first-time buyers get a land bridging loan in the UK?
Yes, first-time buyers can obtain a land bridging loan in the UK, but criteria are stricter than for experienced borrowers. Lenders typically require a higher deposit, a clear exit strategy, and may impose lower loan-to-value limits due to the increased risk profile.
Can you get a bridging loan for auction property?
Yes, you can get a bridging loan for an auction property, and it is one of the most common uses of bridging finance. Bridging loans are designed to meet 28-day auction completion deadlines, providing fast funding for un-mortgageable, vacant, or complex properties, provided there is a clear exit strategy such as sale or refinance.
Who can apply for a farm bridging loan?
Residential buyers purchasing a farm as a home and commercial operators buying or improving a working farm can both apply.
How do I apply for a rural bridging loan?
Contact us to discuss your needs and financial situation.
We will assess your application and connect you with suitable lenders.
Provide necessary documentation and property details.
Upon approval, the lender will release the funds.
What is a land bridging loan?
A land bridging loan is a short-term, secured loan used to purchase land in the UK where a standard mortgage is not available. It is commonly used for land without planning permission or without provable income and is repaid within a defined period, usually 6 to 24 months.
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