Unregulated Bridging Loans

Apply for a   Bridging Loan
  Unregulated
Residential Bridging
  1st Charge 2nd Charge
LTV*    
<50% 0.75% 0.95%
<65% 0.95% 1.05%
<70% 1% 1.15%
<75% 1.15% N/A
Minimum Term 1 month 1 month
Maximum Term 18 months 18 months
Minimum Loan Size £30,000 £30,000
Maximum Loan Size N/A*** N/A***
Rental Coverage - -
ERC No No
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What is aN Unregulated Bridging Loan?

We can offer first or second charge loans on most residential properties in the United Kingdom that are used for business or investment purposes.

Unregulated Bridging Loans are often used when there is a gap in financing that needs filling quickly.


UNREGULATED BRIDGING LOAN Product Features

  • Nationwide Interest charged with a 1 month minimum
  • Interest on Bridging loans can be retained or serviced, subject to affordability
  • Adverse credit to be considered case by case
  • No exit fees on bridging loans

Securities that we lend on 

  • Residential property
  • First and second charge security
  • Multiple occupation (such as HMOs)
  • Farms or agricultural property
  • Properties in Scotland
  • Land (only with planning permission)

Who we lend to for an Unregulated Bridging Loan

  • Individuals
  • Limited companies
  • Unlimited companies
  • LTDs
  • PLCs
  • Offshore special purpose vehicles (SPV)
  • Individual bowerers
  • Trusts

Apply for a   Bridging Loan