Regulated Bridging Finance

A regulated bridging loan is a short-term, property-secured loan where you or a member of your family will live in, or continue to live in, at least 40% of the property being used as security. Because it's secured on your own home, it falls under Financial Conduct Authority regulation, in the same way a residential mortgage does - giving you access to protections such as affordability checks and a formal right to complain that don't apply to unregulated (purely investment or commercial) bridging loans.

Regulated bridging is typically used to bridge a gap in a property chain, fund an onward purchase before a sale completes, or cover an urgent capital need secured against your home, and terms are usually capped at 12 months. Rates and criteria vary by lender, so below is the current panel of regulated bridging products available through Stirling Partners Finance. Figures are indicative only and not a loan offer - full terms depend on your individual circumstances, valuation and underwriting.