£1.65M Self Build Bridging Loan to Secure Waterfront Development Plot

• Client: Private individual
• Challenge: Acquire a premium development plot before long-term self build funding was finalised
• Loan Amount: £1.65M

The client required immediate access to capital to complete the purchase while preserving liquidity for professional fees, architectural design work, planning compliance costs, and contractor appointments.

Global Bridging Finance arranged a £1.65M self build bridging loan, secured against the development site together with additional residential property security. The facility was structured over a 12-month term, with retained interest incorporated to minimise cashflow requirements during the planning and mobilisation phase.

This structure enabled the client to complete the acquisition within the required timeframe and begin preparing the site for construction. The lender's assessment focused on the strength of the planning consent, the quality of the location, available supporting security, and a clearly defined exit strategy.

Following completion, the client progressed final design specifications, appointed a construction team, and prepared the project for the next stage of funding.

The client's exit strategy involved refinancing onto a specialist self build finance facility once construction was ready to commence. A secondary exit route included refinancing against wider property assets if required.

The self build bridging loan enabled the client to secure a highly sought-after development opportunity that may otherwise have been lost due to funding timelines.

This case demonstrates how self build bridging finance can help borrowers act quickly when premium land opportunities arise, providing the flexibility needed to bridge the gap between acquisition and long-term construction funding.

Why Use a Self Build Bridging Loan?

Self build bridging loans are commonly used to:

• Secure development plots quickly
• Purchase land before self build finance is available
• Bridge the gap between acquisition and construction funding
• Preserve liquidity for project costs
• Support bespoke residential development projects

For many borrowers, speed of execution can be just as important as the funding itself when competing for prime development opportunities.