Unregulated residential bridging loans

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What is an unregulated bridging loan?

A regulated bridging loan is often used when there is a gap in financing that needs filling quickly.

We can offer First or Second Charge regulated bridging loans on most properties in the United Kingdom that are currently occupied or will be occupied by the borrower or their immediate family.

Prime unregulated bridging loan product features:

Lowest-ever rates, for those straightforward loans on residential properties needing little refurbishment work:

  • £250,000 to £2,500,000 loan size
  • No exit fees
  • Clean credit, UK-based borrowers
  • No heavy refurbishment

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

Who we lend to for an unregulated bridging loan:

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