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Your Expert Guide to Remortgaging

Whole of Market Mortgage Advice Right at Your Fingertips

Read our articles for a wealth of mortgage advice straight from our experts. Wherever you are on the property ladder, we understand that you’ll have plenty of questions about how the mortgage process works and which loan is right for your circumstances right now. For all your questions, big and small, refer to our comprehensive mortgage advice to get the information you’re looking for.

Can’t see what you’re looking for? Browse our Mortgage Advice Hub or contact our mortgage advisors. They’ll be more than happy to assist.

Posted On: January 19, 2022

Can You Get A Mortgage For Land In The UK?

Not everyone is interested in buying property. Sometimes people are more interested in buying land. But can you get a mortgage for land? We’re answering this question in our helpful guide.

Can you buy land with a mortgage?

Whether you’re looking to build your own house, complement your agriculture-based business or acquire land for other business purposes, it can be helpful to know that you can indeed buy land with a mortgage.

These mortgages are very different to your typical residential mortgage.

Is it hard to get a loan for land?

Lenders can be a little stricter when it comes to their criteria for handing out specialist land mortgages. It’s all about proving that you’re not much of a risk and weighing up the potential financial gain that your land purchase, development and use could bring to the table.

There are different types of land mortgages available

Self build mortgage

These mortgages are specially designed for intrepid people who want to build their own house.

A self build mortgage offers a unique type of loan, divided to cover the costs of the land and the cost of building the proposed property. The loan money is provided in stages – firstly to acquire and prepare the land, and then to allow the purchase of building materials and work to be completed.

Agricultural mortgage

This is usually as part of a business venture.

Woodland mortgages

These are similar to agricultural mortgages and the woodland purchased can be used as a private sanctuary or as a future investment.

Commercial development mortgage

Sometimes businesses want to acquire land that they can build commercial premises on or are seeking to expand their business through the purchase of land. A commercial development mortgage can help with that.

At Agentis we can help you find a specialised land mortgage that works for you. Contact us today to arrange your free initial consultation and speak to one of our experienced mortgage advisors.