Unregulated bridging is the standard product for property investors, developers and businesses raising capital against commercial or investment property. Submit your enquiry and a specialist broker will call you back to discuss options.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
When unregulated bridging is the right product.
Buy-to-let purchases, HMO acquisitions, student lets, holiday lets, property held in a limited company or SPV, portfolio additions. The borrower never intends to occupy — strict investment use throughout the loan term.
Acquisition of offices, retail units, warehouses, industrial premises and mixed-use buildings. Capital release against commercial property the borrower already owns. Refurbishment ahead of letting or sale.
Ground-up development, conversion projects, light and heavy refurbishment for resale or investment letting. Includes development exit finance for projects approaching the end of their original facility.
What makes a bridging loan unregulated, and when it suits
A bridging loan is unregulated when the property securing the loan is not, and is not intended to become, the borrower's home. The most common scenarios — investment property held in a personal name, commercial premises, mixed-use buildings, property held in a limited company or SPV, holiday lets, HMOs, student accommodation and development sites.
Because unregulated bridging falls outside consumer-mortgage rules, lenders have flexibility on case structure, underwriting timescales and required documentation. That is why the unregulated route tends to be faster and more accommodating for experienced property and business borrowers than its regulated counterpart.
Loans run from £25,000 to £25,000,000 with maximum 75% LTV on first charge and 70% on second charge. Both straightforward and complex case structures are considered, including limited-company borrowers, foreign-national directors, HMO landlords and portfolio investors. Adverse credit considered case-by-case.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry