0208 756 1 756
Speak to an Adviser →

Regulated Bridging Loans

FCA-regulated bridging finance for properties you or your family will occupy. Full consumer protections with competitive rates and fast completion.

FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews

When Is Bridging Regulated?

A bridging loan is regulated by the Financial Conduct Authority (FCA) when the security property is or will be occupied by you or a close family member. Regulated bridging loans carry additional consumer protections, including affordability assessments, cooling-off periods and conduct requirements. At Chess Mortgages, we're fully authorised and experienced in arranging regulated bridging finance.

When Regulated Bridging Applies

Purchasing a new home before selling your current one (chain break)
Buying an auction property you or your family will live in
Funding refurbishment of your own home (e.g. to make it habitable)
Divorce settlement, buying out a spouse's share of the family home
Downsizing, bridging the gap between buying and selling
Temporary finance while arranging a standard residential mortgage

Get a Quote

Fast response, often within the hour for urgent cases.

Urgent? Call us on 0208 756 1 756 for same-day response

Regulated vs Unregulated

RegulatedUnregulated
OccupancyYou / family live in itInvestment / commercial
FCA protectionsYesNo
Cooling-off periodYesNo
SpeedSlightly longerFaster
FlexibilityMore regulatedMore flexible

How the Process Works

1

Enquiry

Tell us about the deal: property, amount, timeline and exit strategy.

2

Terms & Costs

We source the best terms from our panel and provide a full cost breakdown.

3

Valuation & Legal

Valuation is instructed and solicitors prepare legal documentation.

4

Completion

Funds released, often within 5–14 working days from initial enquiry.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Regulated bridging loans are regulated by the Financial Conduct Authority.

Chess Mortgages is authorised and regulated by the Financial Conduct Authority. Some bridging loans are not regulated by the FCA.

Related Services

Unregulated Bridging

Flexible investment bridging.

Learn more

Residential Bridging

All residential bridging options.

Learn more

First Time Buyers

Standard residential mortgages.

Learn more

Frequently Asked Questions

Is regulated bridging slower than unregulated?
Slightly. Regulated loans require additional consumer checks and a reflection period. However, completion in 2–3 weeks is still common for straightforward cases.
What protections do I get with regulated bridging?
FCA regulation means the lender must conduct affordability assessments, provide clear documentation, offer a reflection period, and follow conduct rules designed to protect consumers.
Can I get regulated bridging with bad credit?
Yes, though the range of lenders is slightly narrower than for unregulated bridging. We have access to specialist regulated bridging lenders who consider adverse credit.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756
Call Us Enquire