Bridging Loans
Unregulated bridging finance for UK property investors and developers. Fast completions, flexible terms, and whole of market access. Apply today for expert funding advice.
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.
Fast, Flexible Funding for Property Investors and Developers
At Springboard Funding, we arrange unregulated bridging loans 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.
Why Use Springboard Funding
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
Who Qualifies for Unregulated Bridging Loan
- 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.
Apply in 3 simple steps
We do the hard work for you
Easy Apply
· Share a few details about your project and the amount you’d like to borrow.
· We’ll match you with the most suitable lender for your needs.
· Enjoy access to competitive rates and fast payouts.
· Apply in the way that suits you best – by phone, online, or via messaging.
Your Personal Proposal
· We’ll prepare a tailored proposal with the best options available.
· All rates, fees, and terms are presented clearly, with no hidden surprises.
· You remain in full control – choose the option that works best for you.
· Our team is always on hand to answer questions and provide guidance.
Getting Your Funds
· Once you’re happy to proceed, we’ll help you complete the application.
· We’ll guide you through the lenders’ next stages and requirements.
· Expect clear support at every step, so nothing feels overwhelming.
· Our aim is to ensure a smooth process and a quick release of your funds.
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.
Frequently Asked Questions
We have compiled a list of frequently asked questions to help you find instant answers to your queries
How is unregulated bridging different from regulated bridging?
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.
Do I need to be an experienced developer?
Experience helps, but not always required. Lenders assess the property’s value, security, and your exit strategy.
How quickly can funds be released?
Indicative offers are usually made within 24–48 hours of application, with completions possible in as little as 5–10 working days.
Can you help if my current lender is calling in a loan?
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.