Up to 100% of build costs available!

At Bridgewater Acceptances we are happy to look at providing substantial funding through our lending partner and in some cases 3rd party funders for the purchase or refinance of land with or without planning. We also provide funding for the purchase of land and up to 100% of build costs or purely build costs where the land is already owned without any loans secured on it, or the borrower has the funds to purchase the land outright.

Where the security is purely the land and there are no immediate plans to build on it we can offer a choice of repayment options which will include a short term loan (bridging) up to 18 months or a long term mortgage up to 20 years on a capital and interest basis or interest only. Where the security is land plus build/development costs we look at a short term loan (bridging) up to 18 months plus if requested we can consider converting the loan upon completion of the build into a long term mortgage. We can and do offer flexible solutions to those who wish to purchase land or those who wish to build residential or commercial units or even a mixture of both.

We provide “In Principle” terms provided prior to a full application being submitted.

Why choose Bridgewater Acceptances?

Main criteria:

  • Loans from £15,000 to £5M
  • Up to 55% of 180-day land value
  • Up to 100% of build costs
  • Purchase, Refinance or Capital Raising
  • Interest rates from 1% per month – roll-up of interest available
  • Repayment terms from up to 18 months
  • 1stcharge required over land in England, Scotland & Wales
  • Fast offers and completions


  • £30,000 to £3M
  • Up to 70% of current value on a Residential property (light to medium refurb required)
  • Up to 65% of current value on Residential property (heavy refurb required)
  • Up to 60% of 180 day value on a semi/commercial property refurb
  • Further advances considered after completion of works
  • Interest rates quoted on a case by case basis
  • Repayment terms from 3 to 18 months
  • Take out of the Bridging Loan considered on a case by case basis
  • Medium and long term mortgages available from 5 to 25 years

All cases considered including Auction purchases and non UK investors

Developments and new builds:

Alternative Option 1

  • Loans from £30,000 to £650,000 – England & Wales only
  • Up to 55% of land value and 100% of build costs
  • Loan not to exceed 65% of gross development value
  • Terms up to 12 months – interest only with interest rates from 1.25% per month
  • 1st charge required – Residential developments only (this can include flats above shops and restaurants)

Alternative Option 2

  • Loans from £30,000 to £2M – England, Scotland & Wales
  • Up to 60% of 180-day land value and 60% of build costs
  • Loan not to exceed 65% of gross development value
  • Terms up to 18 months – interest only with interest rates from 1.25%
  • 1st charge required – Residential and Commercial developments welcomed
  • In Principle Terms provided prior to a formal application being submitted
  • Where Development finance is required we welcome first-time developers but generally, borrowers would need previous experience especially if the build consists of more than 1 or 2 residential units.
  • Land only loans funded with or without planning permission
  • We can take a 1st or 2nd charge over farms where there is commercial activity carried out on land and the farmhouse represents no more than 40% of the total site.

Fast – Effective – Efficient

Please note: It is always best to obtain the appropriate advice from a professional intermediary regarding your finance options prior to proceeding to a full application. Bridgewater Acceptances do not offer or provide financial advice and only quote In Principle terms based on initial information provided and the exclusive products we offer. All funds on agreed loans are provided by our lending partners.

All borrowers must use the solicitors of their own choice to act for them solely, the solicitors chosen must have 2 or more regulated SRA Managers. All legal costs are payable by the borrower(s). Ex Bankrupts are considered for a mortgage providing they have been discharged for 12 months or more. All products and criteria are for guide purposes and maybe changed at any time without prior notice given.

All photos on the site are for illustration purposes only.

Bridgewater Acceptances Limited – First Floor, 118 Bury New Road, Whitefield, Manchester, M45 6AD Tel: 0161 767 9393 – Fax: 0161 767 9602

Registered Office: 245 Bury New Road, Whitefield, Manchester, M45 8QP – Company Reg: 6114410

Bridgewater Acceptances Limited is authorised and regulated by the Financial Conduct Authority. This does not include regulated residential mortgages – Further details available upon request.