Plot Point
Specialist LenderPlot Point is a London-based bridging specialist providing short-term property loans with a focus on land and property transactions. The lender offers fast bridging finance for investors and developers, with particular expertise in plot-level and site-specific funding.
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About Plot Point
Plot Point is a specialist bridging lender headquartered in London, offering short-term property finance with a particular focus on land and property transactions. The lender was established to serve the needs of property investors and developers who require fast, flexible funding at the plot and site level. Plot Point combines bridging expertise with an understanding of land-based transactions.
Plot Point provides first charge bridging loans for property purchases, land acquisitions, refinances, and light refurbishment projects across England and Wales. The lender is experienced with a range of security types including residential, commercial, and land. Plot Point's underwriting approach considers the broader transaction context, not just the security value.
Plot Point works exclusively through broker partners and has developed strong relationships within the specialist finance intermediary community. The lender is known for its ability to structure deals around land and property at various stages of the development cycle. Plot Point aims to fill the gap between pure bridging and development finance for transactions that involve land-based elements.
Lending Focus
Plot Point offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging finance with expertise in land and property transactions
- First charge loans on residential, commercial, and land security
- Experienced with plot-level and site-specific funding
- Underwriting considers broader transaction context
- Covers England and Wales
Pros & Cons
Pros
- Specialist expertise in land-based and plot-level transactions
- Fills the gap between pure bridging and development finance
- Pragmatic underwriting that considers the full deal context
- Strong broker relationships and responsive service
Cons
- –Broker-only — no direct-to-consumer access
- –Maximum LTV of 70% is conservative for some borrowers
- –Niche focus may not suit standard residential bridging needs
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property and land value
- Early Repayment Charge
- No ERC — can exit at any time without penalty
- Overpayment Allowance
- No restrictions — early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on Plot Point
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
Does Plot Point lend against land?
Is Plot Point a development finance lender?
What is the maximum LTV for Plot Point bridging loans?
How quickly can Plot Point complete a bridging loan?
How to Apply
Broker only. Plot Point products are available through mortgage brokers. Find a broker with Plot Point on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.