Finance for Land, Plots & Rural Property

Land mortgages let you borrow money to buy plots, farmland, or rural property. Unlike standard home loans, they're often used for bare land, development sites, agricultural holdings, or self-build plots rather than ready-to-move-in houses.

These mortgages are secured against the land you're buying until the loan is fully repaid. If payments stop, the lender can repossess the land and sell it to recover their funds.

Land mortgage terms typically run 15–30 years, shorter than residential mortgages due to higher risk from factors like planning permission or resale value. Lenders charge interest on the borrowed amount; early payments mostly cover interest, with principal reduction growing over time as the balance drops.

Key Differences from Home Mortgages

High-street banks rarely lend on raw land without a house or firm planning consent, so specialist brokers access niche lenders comfortable with agricultural ties, development potential, or rural use. Expect 30–50% deposits and stricter checks on access, utilities, and future value. Early payments favour interest (like homes), but land-specific risks like valuation drops can affect affordability assessments.

Landlister Introduces You to Specialists

Landlister connects you to FCA-regulated brokers for land, plot, and rural finance. Complete a quick form to check borrowing potential – no advice provided here.