Land mortgages (UK)

Short answer: Yes, many buyers finance land or a plot with a mortgage in the UK — but availability depends on planning permission, deposit, land use and your wider circumstances. High-street residential products often do not fit; specialist panels are common.

Read our full Can you get a mortgage on land? guide for eligibility, planning, deposits and process detail.

Then compare FCA-regulated brokers who list land experience on our top land mortgage brokers list.

Land mortgages in the UK finance plot purchases for development, agricultural use, or investment. Deposits typically range from 30–50% depending on planning permission status, land type, and borrower experience. Planning permission — whether detailed, outline, or absent — is the strongest factor shaping lender appetite and pricing. Agricultural land is assessed on farming income potential, not planning. Mortgage118 is a broker directory: we help you compare brokers who list land experience, not quote rates ourselves. Commercial investment land is out of scope.

Land-only mortgage: Finance to purchase the land or plot without a simultaneous construction package. You own the land outright and decide later whether to develop, sell, or hold.

Plot + build (self-build mortgage): Combined finance for land purchase and construction, released in stages as the build progresses. Often better for buyers who intend to build immediately.

1. Confirm your land details: Location, size, planning status (detailed/outline/none), intended use (development/agricultural/investment).
2. Compare brokers with land experience: Browse top brokers. Brokers access specialist lender panels.
3. Submit application + evidence: Financial documents, planning permission (if any), land survey, legal title. Lender commissions specialist land valuation.
4. Underwriting: Lender assesses planning status, deposit, your financial position, exit strategy, and experience. Timeline varies by case complexity.
5. Completion: Legal work (conveyancing, searches, title checks) and funds transfer. Timeline often longer than simple residential cases.

Mortgage118 is a broker directory. We do not approve applications, arrange mortgages, or quote live rates.

A mortgage on land with planning permission is still a land mortgage. It is covered on this hub and on the yes/no guide. It does not have its own page.

Planning status is one of the facts lenders weigh when they look at a plot: how clear the use is, and how readily the land could be sold if needed. Detailed consent is usually easier to explain than outline consent. Land without planning permission is not a separate Mortgage118 product — the yes/no guide says that in one place.

Agricultural land sits outside this residential planning framework and is assessed on farming income potential. See our agricultural land mortgages guide.

Full detail: Land mortgage rates (UK) (no live quotes; market context only).

Land mortgages often require higher deposits than residential mortgages because lenders lend against a less liquid, more uncertain asset. Exact deposit requirements vary by:

• Planning permission status
• Land type (vacant, plot with planning, agricultural)
• Your financial position and experience
• Lender appetite and current criteria

General market context (not Mortgage118 advice or quotes): Plots with detailed planning permission may sit at the lower end of the deposit range; vacant land without planning often requires higher deposits. Agricultural land deposits vary by farm business strength and land grade.

Mortgage118 does not publish deposit bands or LTV figures as offers. Confirm requirements with an FCA-authorised broker for your specific case.

A plot mortgage and residential land finance are the same job as a land mortgage: secured finance to buy a residential plot in the UK. The same page covers a mortgage for land, a mortgage on land, a mortgage to buy land, and a land purchase mortgage.

Mortgage118 is a broker directory, not a lender. Compare brokers who list land experience, then use the spokes for the yes/no question, rates context, the calculator, and farm land.

Short-term land bridging, barn conversion, and development finance are different products. They are not part of this page. Farm land is the agricultural land mortgages spoke.

Next step: browse top land mortgage brokers · the yes/no guide on can you get a mortgage on land?

We do not offer loans, approve credit, or quote rates.