Regulated Bridging Loans
Short term finance for homeowners buying a new property, breaking a chain or releasing funds secured against your main residence.
Straightforward, Regulated Finance for Homebuyers and Homeowners
If you are buying or refinancing a property you plan to live in, a standard bridging loan is not suitable. In this case, you will need a regulated bridging loan short term finance that is fully compliant with guidance from the Financial Conduct Authority.
At Bridging Finance Broker, we help homeowners and homebuyers secure bridging finance that is fast, clear and tailored to your personal needs. No confusing jargon. No hidden charges. Just straightforward funding that fits your timeline and your goals.
What Is a Regulated Bridging Loan?
A regulated bridging loan is a short term loan secured against a property that is, or will become, your main home. Unlike unregulated bridging loans, which are used for investment or business purposes, regulated loans are covered by Financial Conduct Authority rules. These protections are designed to ensure fairness and transparency for individual borrowers.
Regulated bridging loans are ideal for:
Bridging a chain break when selling one home and buying another
Downsizing or moving to a larger property without waiting
Covering the gap before your remortgage completes
Buying a new main residence at auction
Renovating your current home before selling or refinancing
This type of finance gives homeowners speed and flexibility without compromising on compliance or peace of mind.
Key Features of Regulated Bridging Loans
Loan terms from 1 to 12 months
Rates starting from 0.55 percent per month
Loan to value up to 75 percent gross
Repayment options include rolled up interest, monthly servicing or a combination of both
Security is usually your main home or a residential property you intend to live in
Exit strategies include selling the property, refinancing onto a mortgage or paying off the loan in a lump sum
All regulated bridging loans are subject to Financial Conduct Authority affordability checks, a clearly documented exit plan and a full review to confirm the loan is suitable for your needs.
When Would You Use a Regulated Bridging Loan?
This type of bridging finance is ideal for clients who need speed and flexibility, but within the protection of a regulated residential setting.
Breaking a chain
Secure your onward purchase without waiting for your sale
Auction purchase
Complete within 28 days on a property you plan to live in
Quick move
Relocate fast, then sell your existing home in your own time
Home improvements
Renovate your main residence before putting it on the market
Who Can Apply for a Regulated Bridging Loan?
You may be eligible for a regulated bridging loan if:
You are buying or refinancing a property that will be your main home
You or a close family member plan to live in the property
You have a clear repayment plan, such as selling a property or remortgaging
You can meet basic affordability checks
You are a business owner using a residential property as security
You do not need to be an experienced property investor. We will guide you through every step of the process, making sure the loan suits your situation and timeline.
Bridging the Gap Without the Stress
Initial Chat
We’ll assess your needs and timeline
Terms Secured
Get a Decision in Principle within 24 hours
Property Valuation
RICS backed and arranged promptly
Legal Work
Managed with speed and clarity
Funds Released
Completion usually within 7–10 days
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Estimate Your Costs with Our Bridging Calculator
Get an instant view of potential costs and interest by using our bridging finance calculator. It’s free, fast, and easy to use.
Frequently asked questions
Everything you need to know about the bridging finance broker
What’s the difference between regulated and unregulated bridging loans?
Regulated loans are for residential properties you or your family live in and are covered by the FCA. Unregulated loans are for investment or commercial purposes.
Do I need to prove income?
Yes. Because these loans are regulated, you’ll need to meet affordability checks to ensure the loan is manageable within the term.
Can I use this if I’m downsizing?
Absolutely. Many clients use regulated bridging loans to move into a smaller home, then sell their larger property after.
What if my house sale falls through?
We’ll help you explore backup plans—such as extending the loan or refinancing—so you’re not left without options.
Move with Confidence
Whether you are relocating, under time pressure or managing a chain break, we are here to help you move forward with confidence. With regulated bridging finance tailored to your needs, you can stay in control and avoid unnecessary stress.