An unregulated bridging loan is a type of loan utilised for purchasing a property that won’t serve as the primary residence for the borrower or their family.
Examples include using the loan for property refurbishment and resale for profit, investing in buy to let properties, or financing houses in multiple occupation (HMO) for rental purposes, with the intention to later refinance through a standard buy to let mortgage.
Each type of bridging loan has its own terms, eligibility criteria, and purposes. As part of our bridging loan advice service, speak with a bridging specialist today to run through your options and answer all your questions.
Speak to an Bridging Specialist - It's Free!Unregulated bridging finance can be used for various purposes, including:
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Unregulated bridging loans, like any financial product, come with both benefits and risks. Here are some factors to consider regarding the safety of unregulated bridging loans:
Unregulated bridging loans offer several benefits:
There isn’t a strict set of criteria mandated by regulators. However, lenders offering unregulated bridging finance often have their own internal criteria and risk assessments. Some common factors that lenders might consider include:
The main difference between unregulated and regulated bridging loans lies in the level of oversight and consumer protection. Regulated bridging loans are governed by financial authorities such as the Financial Conduct Authority (FCA), ensuring adherence to strict criteria and borrower safeguards.
These loans undergo affordability assessments, credit checks, and offer clear terms and complaint resolution avenues. In contrast, unregulated bridging loans operate outside regulatory oversight, providing lenders more flexibility but offering borrowers fewer legal protections.
While unregulated loans may have less stringent eligibility criteria and quicker processing times, they can carry higher costs and increased risks due to the lack of regulatory scrutiny.
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