Regulated Bridging Loans

When the property being used as security is one that you or your family will live in, the bridging loan must be FCA-regulated. This gives you full consumer protection under Financial Conduct Authority rules, including a cooling-off period and clear documentation of all fees and costs. Regulated bridging is the right solution when you need short-term finance on your own home — typically to buy a new property before your current one has sold.

How It Works

You apply through an FCA-authorised broker. We assess your current property, the property you're purchasing, and your exit strategy — usually the sale of your existing home or a residential mortgage on the new one. Because these loans are regulated, the process includes additional consumer protections, but we still aim to provide a decision within 24 hours and can complete within 2-3 weeks. The loan is repaid when your existing home sells or your long-term mortgage completes.

Key Features

• Full FCA consumer protection
• Decisions within 24 hours
• Up to 70% LTV on residential property
• Rates from 0.89% per month
• No exit fees on residential loans
• Completion in as little as 7 days
• Self-employed and retired borrowers welcome
• Poor credit history considered
• Maximum borrower age of 85

Who Is This For?

Regulated bridging loans are for homeowners who need to buy their next home before their current one has sold, those breaking a property chain to prevent a purchase from collapsing, downsizers who have found the perfect property and can't afford to wait, and anyone who needs temporary finance secured against a property they or their family will occupy as a residence.

Rates & Costs