The situation
Investment property doesn't qualify for regulated bridging (that's your main home only). Which is fine — unregulated is quicker, more flexible on unusual property, and pricing is competitive at 0.65-0.95% per month for straightforward cases.
How we approach it
We work with the whole unregulated bridging market — from the big challenger names to niche private lenders — matching the deal to the lender that will actually complete on time.
What that looks like in practice
- Typical rates 0.65-0.95% per month for standard cases
- LTV up to 75% on straightforward property; higher against cross-charged security
- Terms 3-24 months, usually rolled interest
- Non-standard property (flats above commercial, ex-council, unusual construction) financeable
- Exit route (refinance or sale) always agreed at outset
Typical timeline
- Day 1Deal reviewed, indicative terms issued.
- Day 2-14Valuation, legals, underwriting.
- Day 14-21Offer, drawdown.
Common questions
What's the real cost difference vs regulated?
Usually 10-20 bps monthly cheaper, and faster to complete. The trade-off is you're outside FCA consumer rules — appropriate because you're a professional investor.
Can I use it for a first BTL purchase?
Yes — often used where speed matters (auction, motivated seller) then refinanced onto BTL.
How is the exit assessed?
Refinance exit needs indicative BTL affordability check; sale exit needs realistic marketing evidence. We assess before terms.
Fast, flexible, professional
Send the deal — indicative terms typically inside 24 hours.