Bridging Loans

Regulated Bridging Loans:
Residential Property Transactions

Regulated bridging loans are secured against properties that will be used as the borrower's primary residence. They are commonly used when:

  • A property chain breaks, allowing homeowners to secure a new home before selling their existing property.

  • Mortgage applications are delayed, requiring short-term finance to complete a purchase.

  • Downsizers need temporary funding while waiting for their current home to sell.

Regulated bridging loans are FCA-regulated providing additional borrower protections and ensuring compliance with lending regulations.

A street corner with a multi-story brick and white residential building, trees, street signs, and a lamppost.

Non-Regulated Bridging Loans:
Property Investment & Development

Non-regulated bridging loans are secured against properties that will not be used as the borrower’s primary residence. These loans offer flexibility for investors, developers, and landlords, with common applications including:

Refurbishment Loans – Enhancing Property Value

Short-term finance can be used to renovate and improve a property before refinancing onto a longer-term mortgage. This includes:

  • Cosmetic refurbishments to increase resale value or rental yield.

  • Structural improvements that require funding before mortgage lenders will approve long-term finance.

  • Change of use from residential to commercial, or vice-versa.

Auction Purchases – Fast-Track Financing

Auction properties often require completion within 28 days, making bridging finance an ideal solution. Investors can secure fast funding to meet deadlines before transitioning to a mortgage or resale strategy.

Development Finance – Funding New-Build & Major Projects

For developers looking to build, convert, or expand properties, bridging finance offers:

  • Short-term capital to cover land purchases and construction costs.

  • Flexible repayment structures aligned with project timelines.

  • Funding for commercial and residential developments where long-term mortgages are not yet viable.

Get In Touch

Bridging loans offer fast, flexible financing when traditional mortgage options aren’t suitable. Whether you're navigating a property chain break, purchasing at auction, or securing funds for refurbishment or development, bridging finance provides a short-term solution to bridge the gap.

At MSP Financial Solutions, we guide clients through both regulated and non-regulated bridging loans, ensuring the right funding structure for your needs.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.