FCA Regulated
Residential Bridging
Loans UK
FCA-regulated bridging finance for your next home. Chain breaks, auction purchases, and downsizing. Rates from 0.44% per month. Completion from 7 days.
When to use a residential bridge
A regulated residential bridging loan is ideal when you need to move fast on your next home.
Chain break
Your buyer pulls out but you need to proceed with your purchase. A bridge covers the gap until your property sells.
Auction purchase
Won at auction? You have 28 days to complete — too fast for a mortgage. Bridge the gap and refinance after.
Buy before you sell
Found your dream home? Secure it now with a bridge, then repay when your current property sells.
Downsizing
Moving to a smaller property? A bridge lets you buy first, then sell your larger home at the best price without rushing.
Renovation before moving in
Property needs work before it's habitable? A bridge funds the purchase, then you refinance onto a mortgage once it's liveable.
Inheritance or probate
Need to buy out other beneficiaries or fund inheritance tax? A bridge provides fast access to funds while the estate is settled.
Residential bridging rates
Under 60% LTV
From 0.44%/mo
Arrangement fee: 1 – 1.5%
60% – 70% LTV
From 0.55%/mo
Arrangement fee: 1.5%
70% – 75% LTV
From 0.75%/mo
Arrangement fee: 1.5 – 2%
What does “regulated” mean?
A regulated bridging loan is one secured against a property that you or a close family member will occupy as your home. These loans fall under the FCA's regulatory framework, which means:
- Your lender must carry out a full affordability assessment
- You have a 14-day cooling-off period after signing the agreement
- All fees and charges must be clearly disclosed before you commit
- You are protected by the Financial Ombudsman Service if something goes wrong
- The broker arranging your loan must be FCA-authorised (like us — FRN 624668)
If you are purchasing an investment property or a property you will not live in, you will need an unregulated commercial bridge instead.
Common questions
What is a residential bridging loan?
A residential bridging loan is short-term secured finance against a property you or a close family member will live in. Regulated by the FCA, it provides consumer protections including a cooling-off period and clear fee disclosure. Common uses include chain breaks, auction purchases, downsizing, and buying before selling.
How is regulated bridging different from unregulated?
Regulated bridges cover properties you'll live in — FCA consumer protections apply. Unregulated bridges are for investment/commercial property with more flexibility but fewer protections. If you're buying your next home, you need a regulated bridge.
Can I buy before I sell?
Yes — this is the most common use. Purchase your new home with bridging finance, then repay the bridge when your existing property sells. This avoids losing your dream home to a slow chain.
What rates will I pay?
Regulated residential bridges typically range from 0.44% to 0.85% per month depending on LTV. Arrangement fees are usually 1-1.75%. Total cost depends on how long you need the bridge — the faster your exit, the less you pay.
How fast can I complete?
Regulated residential bridges can complete in 7-14 working days. Complex cases may take 3-4 weeks. Having a mortgage offer in place for your exit (refinance) or your property listed for sale speeds up approval.
Do I need a deposit?
Yes — most lenders require a minimum of 25% equity or deposit (75% LTV maximum). Some lenders go to 80% LTV for strong cases. The more equity you have, the better the rate.
Get a residential bridging quote
FCA-regulated bridging for your next home. Compare rates, get a DIP in hours. No obligation.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.