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