Regulated Bridging Loans | If you’re buying a new home before selling your current one or navigating tight property deadlines, regulated bridging loans offer a flexible solution. Designed for individuals and backed by the Financial Conduct Authority (FCA), these short-term loans bridge the funding gap between property transactions.
At Connect Mortgages, we help you move quickly with tailored advice and access to over 200 trusted UK lenders. Whether you’re breaking a chain, upsizing, or buying at auction, we’ll secure fast funding with competitive terms.
🕒 Typical completion: 5–14 days
🔒 Fully regulated, transparent advice
🤝 Ideal for homeowners, downsizers, and buyers in a chain
Talk to a bridging specialist →
What Is a Regulated Bridging Loan?
A regulated bridging loan is a short-term finance product secured against a property you currently live in or intend to live in. It is authorised and overseen by the Financial Conduct Authority (FCA), which ensures full compliance and consumer protection.
This type of loan is ideal for situations where fast access to funds is needed, such as purchasing a new home before your current property is sold, resolving a broken property chain, or financing urgent residential transactions.
Unlike unregulated bridging finance, regulated loans must meet strict transparency and affordability standards. All applications undergo responsible lending checks to ensure the loan is suitable for your needs.
Who Are Regulated Bridging Loans Suitable For?
These loans are typically used by:
- Homeowners upsizing or downsizing
- Buyers are facing delays in their property chain
- Individuals purchasing at auction with tight deadlines
- Families relocating who need funding ahead of a sale
If you’re unsure whether this finance type suits your goals, speak to an expert for tailored advice.
Key Features of Regulated Bridging Finance
- FCA regulates residential property transactions
- Loan terms from 1 to 18 months
- Available for properties across England, Scotland, and Wales
- Funds are released in as little as 5 working days
- Flexible exit strategies, such as sale or remortgage
Our specialist advisers conduct comprehensive affordability and suitability assessments, ensuring the loan complies with FCA mortgage compliance guidelines. We never recommend a product unless it aligns with your objectives and financial situation.
How Bridging Finance Works
Bridging loans are interest-only and designed to be repaid in full at the end of the term, usually from the sale of your existing property or through a remortgage. You can choose to roll up the interest or service it monthly, depending on the product.
At Connect Mortgages, we guide you from initial enquiry to completion, liaising with lenders, valuers, and solicitors on your behalf. Our extensive panel includes lenders offering regulated loans with no exit fees and competitive rates.
Why Choose Connect Mortgages?
- Over 25 years of experience in property finance
- Whole-of-market access to regulated bridging lenders
- Quick turnarounds with expert support at every stage
- No upfront broker fees
- Full compliance with FCA regulations and consumer duty standards
As part of our commitment to transparency, you’ll receive a Key Facts Illustration (KFI) outlining the loan costs, repayment terms, and risks. We ensure you understand every aspect before proceeding.
If you’re comparing options, you may also want to explore our Residential Mortgages or Adverse Credit Mortgage solutions, depending on your goals.
Get Personalised Advice Today
Regulated bridging loans can be an excellent short-term solution when used responsibly. Whether you’re managing a time-sensitive purchase or resolving delays, our specialist team is here to help.
Thank you for reading our “Regulated Bridging Loans | Fast UK Property Finance” publication. Stay “Connect“-ed for more updates soon!
FAQ | Regulated Bridging Loans
How quickly can I get a regulated bridging loan?
Most regulated bridging loans can be completed within 5 to 14 working days. However, the exact timeframe depends on several factors, including:
- Speed of property valuation
- Responsiveness of your solicitor and the lender’s solicitor
- Whether legal documents and proof of income are readily available
- Exit strategy clarity (sale or remortgage)
Our team works closely with all parties to fast-track the process. For urgent cases, contact our bridging loan specialists to start the application today.
Is regulated bridging finance safe?
Yes. Regulated bridging finance is FCA-authorised and fully compliant with UK mortgage regulations. This means:
- Consumer finance laws protect borrowers
- Lenders must perform affordability checks and suitability assessments
- You will receive a Key Facts Illustration (KFI) outlining the loan details before proceeding
- Qualified, FCA-registered brokers provide all advice
At Connect Mortgages, we follow strict compliance protocols and uphold the FCA’s Consumer Duty standards to ensure transparent, ethical lending.
Can I use the loan to break a property chain?
Absolutely. Regulated bridging loans are a popular solution for breaking a chain when a buyer pulls out or delays completion. Homeowners can:
- Secure a new property while waiting for their current one to sell
- Prevent a time-sensitive deal from falling through
- Avoid temporary accommodation or double moves
Our expert brokers help you find lenders offering flexible terms and fast completion, ideal for keeping your property plans on track. Learn more on our Residential Mortgage page.
