Regulation
Unregulated Bridging
A bridging loan secured against investment, commercial, or non-residential property — outside FCA consumer-protection rules.
Unregulated bridging covers buy-to-let acquisitions, commercial property, mixed-use, HMOs, development sites, and any property that the borrower doesn't intend to occupy as a main residence. Without FCA consumer rules in scope, there's more flexibility on terms and structures.
On our panel, unregulated bridges run up to 24 months and offer all three interest structures — retained, rolled-up, and serviced. LTVs go up to 75% on standard residential investment, 80% on heavy refurbishment with some lenders, and 70% on commercial.
The trade-off for the borrower is fewer consumer protections — no automatic cooling-off period, no FOS recourse, suitability is the borrower's responsibility rather than the broker's. For property investors and limited companies, the flexibility usually outweighs the lost protections.