Regulated Bridging Loans

What is a Regulated Bridging Loan?

A regulated bridging loan is a short-term finance solution secured against a property that you, or a close family member, currently live in or intend to live in. Because the loan is connected to a residential property, it falls under the oversight of the Financial Conduct Authority (FCA), ensuring consumer protection and fair practice.

When Might You Need One?

  • Property chain breaks – secure your new home even if your buyer hasn’t completed

  • ⁠Auction purchases – act quickly with funds in place before arranging long-term finance

  • ⁠Refurbishment projects – release capital to improve a property before refinancing

Key Features

  • ⁠FCA-regulated for peace of mind

  • ⁠Short-term finance, typically 3–12 months

  • Flexible repayment options, including rolled-up interest

  • Available to homeowners, first-time buyers, and landlords

Why Choose Us?

  • ⁠Tailored advice – we assess your circumstances and recommend the most suitable lender

  • Specialist expertise – experience with complex cases, including chain breaks and time-sensitive purchases

Unregulated Bridging Loans

What is an Unregulated Bridging Loan?

An unregulated bridging loan is a short-term finance solution secured against a property that is not your primary residence (for example, investment properties, commercial premises, or land). Because the loan is not connected to a property you or your family live in, it does not fall under Financial Conduct Authority (FCA) regulation. This makes it more flexible but also requires careful professional guidance.

When Might You Need One?

  • ⁠Property investment – purchase or refinance buy-to-let or commercial properties

  • Development projects – fund land acquisition, conversions, or new builds

  • Auction purchases – secure funding quickly for investment opportunities

  • ⁠Business purposes – release capital tied up in property to support company growth

Key Features

  • ⁠Greater flexibility compared to regulated bridging

  • Short-term finance, typically 3–18 months

  • Options for interest roll-up or retained payments

  • Suitable for landlords, developers, and corporate borrowers

Why Choose Us?

  • Specialist expertise – extensive experience with complex, high-value, and time-sensitive transactions

  • ⁠Tailored solutions – bespoke structuring to meet investment or business needs

  • ⁠Transparent advice – clear communication and guidance throughout the process

Second Charge Mortgages (Regulated & Unregulated)

What is a Second Charge Mortgage?

A second charge mortgage is a loan secured against your property, in addition to your existing mortgage. It allows you to release equity without disturbing your current mortgage deal. Whether the loan is regulated or unregulated depends on the type of property and the purpose of the borrowing.

Regulated Second Charge Mortgages

A regulated second charge mortgage is secured against a property that you, or a close family member, live in or intend to live in. Because it involves a residential property, it falls under the oversight of the Financial Conduct Authority (FCA), ensuring consumer protection and fair practice.

When Might You Need One?

  • Home improvements without remortgaging

  • ⁠Debt consolidation into one structured repayment

  • Large personal expenses such as education or life events

Key Features

  • FCA-regulated for peace of mind

  • Secured alongside your first mortgage

  • Flexible loan sizes and repayment terms

  • Consumer protections apply

Unregulated Second Charge Mortgages

An unregulated second charge mortgage is secured against a property that is not your primary residence (for example, buy-to-let, investment, or commercial property). Because it does not involve a home you or your family live in, it is not covered by FCA regulation. This makes it more flexible but requires careful professional guidance.

When Might You Need One?

  • Property investment or portfolio expansion

  • Business purposes, such as releasing equity for growth

  • Development projects or conversions

  • Auction purchases of investment properties

Key Features

  • Greater flexibility compared to regulated second charges

  • Typically used for investment or business purposes

  • Options for rolled-up or retained interest payments

  • Not covered by FCA consumer protections