---
title: "How do I get Land bridging loan with bad credit?"
description: "Land bridging lenders often operate on a non-status basis, focusing more on the specifics of the deal and the exit strategy rather than the applicant’s credit status. This means applicants with adverse credit will have greater flexibility and more options than with mortgage borrowing."
url: "https://mortgagelane.com/guides/land-bridging-loans/how-do-i-get-land-bridging-loan-with-bad-credit"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-10-08"
reading_time: "2 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# How do I get Land bridging loan with bad credit?

Land bridging lenders often operate on a non-status basis, focusing more on the specifics of the deal and the exit strategy rather than the applicant’s credit status. This means applicants with adverse credit will have greater flexibility and more options than with mortgage borrowing.

Land bridging lenders often operate on a non-status basis, focusing more on the specifics of the deal and the exit strategy rather than the applicant’s credit status. This means applicants with adverse credit will have greater flexibility and more options than with mortgage borrowing.

[Land bridging loan](https://mortgagelane.com/definitions?term=land-bridging-loan)

Bridging finance

A short-term loan secured against land, used to fund a purchase or release capital before an agreed repayment event.

[Read the full definition of Land bridging loan](https://mortgagelane.com/definitions?term=land-bridging-loan)

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[Land Bridging Loans](https://mortgagelane.com/short-term-finance/land-bridging-loans)

Related definitions

[Land bridging loan](https://mortgagelane.com/definitions#def-land-bridging-loan)

·

[Bridging loan](https://mortgagelane.com/definitions#def-bridging-loan)

## How do I get Land bridging loan with bad credit?

Land bridging lenders often operate on a non-status basis, focusing more on the specifics of the deal and the exit strategy rather than the applicant’s credit status. This means applicants with adverse credit will have greater flexibility and more options than with mortgage borrowing.

### Non-Status Approach

In the context of land bridging loans, ‘non-status’ refers to the lender’s approach where the emphasis is less on the applicant’s credit history or financial status. Instead, the primary focus is on the value of the deal itself, the property or land involved, and the viability of the exit strategy, which is how the loan will be repaid, such as through the sale of the property or refinancing.

Land bridging loan lenders are primarily interested in the potential of the land or property transaction and how the loan will be repaid. This approach is beneficial for borrowers who may not have a strong credit history but possess a promising property deal.

### Applicants with Adverse Credit

Similar to some mortgage lenders, land bridging loan lenders can accommodate applicants with adverse credit histories. This includes past missed payments, County Court Judgments (CCJs), defaults, or even an Individual Voluntary Arrangement (IVA).

### Post-Bankruptcy Options

If you have been discharged from bankruptcy, your options with land bridging loan lenders tend to improve over time. Generally, the prospects are better after 3 years and continue to improve after 6 years, as this distance from bankruptcy indicates reduced risk to the lender. But we can get lending for applicants that have just been discharged also especially if the deal stacks up on a non-status basis.

If you are looking to buy land with adverse credit, we would love to help

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/guides/land-bridging-loans/how-do-i-get-land-bridging-loan-with-bad-credit