Bridging Loan
Unregulated bridging finance for UK property investors and developers. Fast completions,
flexible terms, and whole of market access. Apply today for expert funding advice.
Fast, Flexible Funding for Property Investors and Developers
At Springboard Funding, we arrange unregulated bridging loan for property investors, developers, and limited companies across the UK. Our short term property finance solutions provide the speed, flexibility, and funding certainty you need to complete your next deal whether you’re buying at auction, refinancing, or funding a development exit.
What Is Unregulated Bridging Finance?
Unregulated bridging finance is a short term, secured loan used for non owner occupied properties, typically by companies or experienced investors. These loans fall outside the scope of the Financial Conduct Authority (FCA) because they do not involve residential homeowners or consumer borrowers.
Common uses include:
- Purchasing or refinancing investment or commercial property
- Auction purchases requiring rapid completion
- Development exit finance: releasing capital from completed projects
- Refinancing in default or rescuing existing lending arrangements
Cash flow bridging between property sales or developments
Key Features:
Feature: Typical Range:
Loan Amounts: £50,000 – £25 million
Terms: 1 – 24 months typically 6 - 12 months
Loan to Value (LTV): Up to 90% (gross)
Interest Rates: From 0.55% per month (subject to criteria)
Security: 1st or 2nd Charge on Residential, commercial, land, or mixed use
Speed: Indicative offers within 24–48 hours, completion can be in 5–10 working days if needed
Every case is assessed individually, our team compares lenders across the whole unregulated market to secure the most suitable terms.
Why Choose Springboard Funding?
Whole of market access: we work with specialist lenders, private funders, and challenger banks.
Transparent terms: no hidden fees, clear exit strategies.
Expert guidance: we manage the full process from application to completion.
Solutions for complex cases: including adverse credit, defaults, or unusual property types.
Fast turnaround: experience in time sensitive auction and refinance transactions.
Who Qualifies for Unregulated Bridging Loan?
Typically suitable for:
- Limited companies or SPVs
- Developers and property investors
- Commercial property buyers
- Clients refinancing completed developments
- Borrowers exiting short term loans or resolving defaults
If the property will not be occupied by the borrower, it’s likely unregulated.
Examples of When to Use an Unregulated Bridge:
- Auction Purchase
Secure funding to complete within 28 days after winning a property auction. - Development Exit
Refinance a completed or near completed project while marketing units for sale. - Default Refinance
Repay an existing lender and regain control of your property or timeline. - Investment Acquisition
Purchase buy to let or mixed use assets before arranging long term finance.
Frequently Asked Questions:
Q: How is unregulated bridging different from regulated bridging?
A: Regulated bridging applies to residential properties occupied by the borrower. Unregulated bridging applies to investment or business purposes and is not overseen by the FCA.
Q: Do I need to be an experienced developer?
A: Experience helps, but not always required. Lenders assess the property’s value, security, and your exit strategy.
Q: How quickly can funds be released?
A: Indicative offers are usually made within 24–48 hours of application, with completions possible in as little as 5–10 working days.
Q: Can you help if my current lender is calling in a loan?
A: Yes. We work with lenders that specialise in refinance and rescue bridging to resolve defaults.
⚠️ Important Notice
We arrange unregulated bridging and development finance for property investors, companies, and developers. Our services are not regulated by the Financial Conduct Authority (FCA) and do not apply to owner occupied or consumer residential lending.
Case Studies
Tolpuddle, Dorset
Loan Amount: £450,000
Loan Term: 12 months
LTV: 80%
Charge: 1st
Overview:
A well maintained house in Tolpuddle required some modernisation to maximise its market value.
Solution:
- Arranged a bridging loan with a high LTV to fund the purchase and light refurbishment.
- Enabled the developer to enhance the property’s appeal through targeted updates.
Outcome:
The project was completed successfully, and the refurbished house was sold, delivering a strong profit for the developer.
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Always happy to meet in person
If you’d prefer a face to face meeting to discuss your requirements, we’ll be glad to arrange it at a time that suits you. We’re available outside of regular business hours, including evenings and weekends, and are happy to travel to meet you.
Contact us
Edward
edward@springboardltd.co.uk - 07378 448 241
Aston
aston@springboardltd.co.uk - 07471 754 311
Telephone: 0121 485 0027
E-mail: info@springboardltd.co.uk
Address: 11 Brindley Place, Brunswick Square, Birmingham, B1 2LP
by appointment only
