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Bridging Finance

Unregulated Bridging Loans

For investment and commercial property, unregulated bridging finance offers greater flexibility and typically a faster route to funds.

Bridging Loan
Rates and costs

We have whole of the market access allowing us to find our customers the best possible deal.

Monthly interest rates from
0.55% per month
for loans under £1 million
0.49% per month
for loans over £1 million

What is an Unregulated Bridging Loan?

Unregulated bridging loans are secured against property that isn't, and won't be, occupied by the borrower or their immediate family — think buy-to-let, HMO, commercial units, or land. Because they fall outside FCA regulation, lenders have more flexibility in how they structure and assess these loans, which often means a faster and more straightforward process.

This is the most common route for property investors, landlords and developers, who make up the majority of the bridging finance market.

Typical Uses for Unregulated Bridging Finance

  • Buying investment or buy-to-let property, including at auction
  • Funding HMO or portfolio purchases
  • Bridging finance for commercial or semi-commercial units
  • Purchasing land with or without planning permission
  • Raising working capital for a business against property assets

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