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.
Current regulated bridging panel
Indicative only. Not a loan offer. Subject to valuation, underwriting and credit checks. Rates and fees vary by lender and individual circumstances.
Telephone: 020 7580 1555
Stirling Partners Finance Ltd is regulated and authorised by the Financial Conduct Authority. FRN: 304236.
Registered company number: 05160479
Registered address: 106 Tring Road, Aylesbury, Bucks HP20 1LS, UK.
Your home may be repossessed if you do not keep up repayments on a mortgage.
ICO registration Z8810642 and you can check via www.ico.org.uk. We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.