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YOUR PROPERTY OR LAND MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A LOAN SECURED AGAINST IT
Land Finance From Our Team
Our team live and work locally, and our office is at Pride Park in Derby. Our commercial team helps landowners, farmers, investors and developers across Derbyshire, the East Midlands and the rest of the UK.
Most high street lenders will not lend on land alone. We know the specialist lenders who do, and we handle the applications and paperwork so your purchase runs smoothly.
What Land Finance Can Be Used For
Equestrian land
Buy paddocks or grazing land for your horses.
Agricultural land
Buy or refinance farmland, including land with agricultural ties.
Building plots
Buy a plot for a self-build or small development.
Development sites
Fund a site purchase while planning or build finance is arranged.
Hope value land
Buy land you believe may gain planning in the future.
Raising money
Release money from land you already own for other plans.
Need to Move Quickly?
Land often sells at auction or needs a fast decision. A bridging loan can help you buy first.
Is Land Finance Right for You?
It can be a good fit if
- You have a clear plan for the land
- You have a deposit or other property as security
- You have a clear way to repay the loan
- You have checked planning, access and rights of way
Things to think about
- Lenders often lend a lower share of land value than for houses
- Rates can be higher than for normal mortgages
- Planning is never certain
- Your land or property is at risk if you cannot repay
How It Works
Get in touch
Call us or send an enquiry with details of the land and your plans.
First chat
We talk through the land, the amount you need and how you will repay.
Find the right lender
We search specialist lenders and explain the rates, fees and terms.
Application to completion
We handle the application, valuation and solicitors until the funds are released.
More Property and Business Finance
Why Choose Mortgage & Finance Arena
Local advisers
Our team live and work locally and know the local area.
Banking backgrounds
Our commercial team has worked inside banks and knows how lenders think.
Specialist lenders
We know which lenders will lend on land.
Plain English
We explain every rate, fee and risk before you commit.
We handle the paperwork
We deal with the lender, valuer and solicitors for you.
FCA regulated
Mortgage & Finance Arena Ltd is authorised and regulated by the FCA (No. 706676).
Land Finance FAQs
Yes, but most high street lenders will not lend on land alone. Specialist lenders do, often with a larger deposit than for a house.
It depends on the land and your plans. Lenders usually want a bigger deposit for land than for a house. Some will take other property as extra security.
Yes. Some lenders focus on farmland and equestrian land, including land with agricultural ties.
Yes. Some lenders fund the plot purchase, and self-build or development lenders can fund the build in stages.
Yes. Auctions usually need you to complete within 28 days, so a bridging loan is often used.
Most land finance for business or investment is not regulated by the Financial Conduct Authority. A loan secured on your own home is regulated.
Ready to Talk?
Tell us about the land and one of our team will call you back.
Your property or land may be repossessed if you do not keep up repayments on a loan secured against it. Most land finance is not regulated by the Financial Conduct Authority. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
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Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.