What is an Unregulated Bridging Loan?

Unregulated bridging loans are those which are secured against Residential investment properties, including but not limited to commercial properties, land without planning permission and development land.

Latest Unregulated Bridging Finance Offers

View some of the latest offers from leading lenders.

Product BF01
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Interest Rate 0.44%Lender Fee 1.5%Max LTV 55%Max Term 18 MonthsMin-Max Loan £100,000 - £250,000Security Type ResidentialRegulated? No
Product BF03
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Interest Rate 0.48%Lender Fee 2%Max LTV 50%Max Term 12 MonthsMin-Max Loan £250,000 - £50,000,000Security Type ResidentialRegulated? Yes
Product BF05
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Interest Rate 0.59%Lender Fee 3.00%Max LTV 70%Max Term 12 MonthsMin-Max Loan £250,000 - £50,000,000Security Type ResidentialRegulated? Yes
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With this type of loan, you can borrow up to 80% loan to value (LTV) and 100% is possible with additional security for loans of £25,000 and more. We can offer competitive loans for borrowers under this unregulated category.

However, it is important to note that in addition to the monthly interest fee, lenders will charge a lender arrangement fee. This fee is typically up to 2% on the loan amount.

The main criteria is as follows:

  • Up to 80% Loan to Value (possible 100% with additional security) and rates can be as low as 0.44% per month.
  • You can borrow for up to 24 months for loans of £25,000 or more.
  • Loans with no early repayment charges are available
  • Any security will be considered and adverse credit accepted.
  • Property in a poor state of repair, refurbishment and conversions are all accepted.

Having considered that there are regulated and unregulated bridging loans, we can now look at the other main types of bridging loans which are available.

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