Unregulated Bridging Loans 2018-02-21T08:22:18+00:00

Unregulated Bridging Loans

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What is an Unregulated Bridging Loan?

An unregulated bridging loan is a short-term, property backed loan which is designed to ‘bridge’ a gap in funding.

Unregulated bridging loans are currently cheaper than ever and can be used for a variety of purposes.

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Latest Unregulated Bridging Finance Offers

View some of the latest unregulated bridging finance offers from major lenders.

Product BL0001 - Apply Now
Interest Rate
0.44%
Lender Fee
1-2%
Max LTV
55%
Security Type
Residential
Min-Max Loan
£100,000 – £5,000,000
Max Term
18 Months
Regulated Accepted?
No
Product BL0004 - Apply Now
Interest Rate
0.54%
Lender Fee
1-2%
Max LTV
65%
Security Type
Residential
Min-Max Loan
£100,000 – £5,000,000
Max Term
18 Months
Regulated Accepted?
No
Product BL0005 - Apply Now
Interest Rate
0.59%
Lender Fee
3%
Max LTV
70%
Security Type
Residential
Min-Max Loan
£250,000 – £50,000,000
Max Term
12 Months
Regulated Accepted?
Yes
COMPARE MORE BRIDGING LOAN PRODUCTS HERE

Criteria

Below are the main criteria points to consider when taking out an unregulated bridging loan.

1Up to 80% Loan to Value (or 100% with additional security).
2Property in a poor state of repair considered.
3Rates from 0.44% per month.
4Loans from £25,000 with no maximum loan size.
5Borrow from 1 month up to 24 months.
6Any security considered.
7Interest can be rolled into the loan.
8Loans with no early repayment charges available.
9We will consider any exit route.
10Refurbishment or conversion accepted.
11Adverse credit accepted.
12Loans available throughout the UK.

How Much Can I Borrow?

We fund unregulated bridging loans up to 80% loan to value (LTV), and can even lend up to 100% LTV with additional security. We can fund loans between £25,000, with no maximum loan size.

How Much Will It Cost?

Lenders are competing heavily on rate and customers are greatly benefitting from this increased competition, through cheaper loans.

We can offer loans from 0.44% per month up to 55% LTV and can even lend at 0.64% per month at 75% LTV!

In addition to the monthly interest cost, lenders charge a lender arrangement fee – a fee for setting up the loan. This fee is usually 2% of the loan amount, although this is sometimes discounted as low as 1%, especially on larger loans.

How Long Do They Take to Complete?

Unregulated bridging finance can be completed very quickly, sometimes even on the day of application.

Usually a completion of 5-14 days is realistic, depending on the lender used. If you’re looking to secure the lowest rates, it might be worth allowing slightly longer for completion as the lender may want to undertake some additional checks.

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