Unregulated Bridging Loans

If the property you're borrowing against is for investment or commercial purposes — not a home you or your family will live in — an unregulated bridging loan offers faster processing, fewer restrictions, and greater flexibility. Without the regulatory requirements that apply to residential owner-occupied lending, we can move quickly and structure the loan to fit your specific situation.

How It Works

You provide details of the property, the purpose of the loan, and your exit strategy. Because unregulated loans aren't subject to FCA consumer lending rules, there are fewer procedural steps — meaning faster decisions and quicker completions. We can lend to individuals, SPVs, limited companies, LLPs, and trusts. The loan is typically repaid through sale of the property, refinance onto a buy-to-let mortgage, or from business income.

Key Features

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

Who Is This For?

Unregulated bridging loans are for buy-to-let investors acquiring rental properties, commercial property purchasers, portfolio landlords expanding their holdings, SPVs and limited companies buying investment assets, and anyone borrowing for business or investment purposes where the security property will not be occupied by the borrower or their family.

Rates & Costs