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Seamless finance for permitted projects

Bridging loans offer fast, flexible funding for permitted development loans and projects, enabling quick acquisition, renovation, or conversion without lengthy approvals – helping investors unlock value and capitalise on planning advantages efficiently.

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Unlock value with permitted development finance

Permitted development finance projects offer investors and developers the opportunity to repurpose existing buildings into profitable property assets without the need for full planning permission. From offices converted into residential apartments to retail or light industrial spaces adapted for new uses, these permitted development finance schemes can unlock significant value.

Our tailored finance solutions are designed to support these projects, offering flexibility to meet varied timelines, construction needs, and investment goals. With expert underwriting and an understanding of the unique challenges permitted development can present, we provide funding that helps transform potential into reality, enabling clients to maximise returns from redevelopment opportunities.


Why bridging works for permitted developments

Permitted development projects are on the rise due to relaxed planning regulations, allowing faster, cost-effective property conversions supported by bridging loans for permitted development without full permissions.

This boosts developer flexibility, reduces delays, and meets growing demand for residential and mixed-use spaces amid changing market needs.

Why borrow with us

Quick decision and funding

Access fast approvals and funding to capitalise on time-sensitive permitted development opportunities

Flexible loan terms

Choose loan durations from 3 to 18 months, aligned with your project timeline and exit strategy

Competitive loan-to-value (LTV)

Borrow up to 75% LTV, maximising leverage while managing risk effectively

Unlock property potential

Repurpose buildings through permitted development with flexible finance, expert support, and tailored solutions for maximum returns

Key lending criteria

  • Loans from 拢500k up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial 
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Lending across England, Scotland & Wales
  • Flexible terms: 3 to 18 months
  • Available to individuals, limited companies, Limited Liability Partnerships (LLP), Special Purpose Vehicle (SPVs), and trusts
  • Interest roll-up, retained interest, part-serviced and serviced options available
  • First-time investors considered (case by case)
  • UK and foreign nationals welcome* subject to due diligence (*UK bank account required)
  • All types of asset classes considered – residential, semi-commercial & commercial properties
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Additional highlights

Fast funding decisions

Quick approvals so you can act swiftly on time-sensitive projects

Flexible loan terms

Choose from 3 to 18 months, tailored to your project鈥檚 specific needs

No early repayment charges

Repay early without penalties, giving you full flexibility to exit once your project is complete or refinanced

Large loan sizes

Access up to 拢20m, supporting projects of all scales

Flexible security options

Accepting a range of property types as security, including mixed-use and residential

Transparent terms and competitive rates

Clear lending terms and fair pricing to manage costs

Experienced support team

Specialists in permitted development finance to guide you through the process

Funding for all project stages

Finance both acquisition and refurbishment phases

Permitted development projects frequently asked questions

Yes, bridging loans offer quick, flexible funding tailored to the fast timelines and unique needs of these projects.

Yes, permitted development comes with limits on size, use, and design, and sometimes requires prior approval or compliance with local regulations.

A permitted development loan is short-term finance for projects carried out under permitted development rights, such as office-to-residential conversions, where full planning permission isn鈥檛 required.

Eligible works often include converting offices, shops, or light industrial buildings into residential units, or adding extensions within defined size and use limits set by planning rules.

We start with a valuation of the property鈥檚 current and projected value. Funds may be released in stages to match works, with monitoring to ensure the project remains on track, however each case is assessed on it’s own merit and structured accordingly.

Loans are available from 拢500k to 拢20m, up to 75% LTV residential / 65% commercial, with terms from 3鈥�18 months. Applications are considered from individuals, companies, SPVs and trusts, and are subject to due diligence.

On completion, you can refinance onto a long-term mortgage or sell the property. Bridging loans offer flexibility until your chosen exit is achieved.

Permitted development allows certain building works and changes of use without needing full planning permission, speeding up property conversions and renovations.

Common projects include converting offices to residential units, adding extensions, or changing commercial spaces into homes, subject to specific rules and limits.

Permitted development reduces planning permission delays and costs, enabling faster project completion and quicker returns on investment, whilst re-purposing an existing asset.


Speak to a specialist today to access permitted development finance that helps you unlock value, act quickly, and deliver profitable conversions with confidence.

Speak to a specialist