Unregulated Bridging Loans
Maximum flexibility and speed for investment and commercial property transactions. No FCA consumer restrictions — faster decisions and completion.
Fast, Flexible Investment Bridging
Unregulated bridging loans are used when the security property won't be occupied by you or a close family member — typically investment properties, buy-to-let purchases, commercial assets, development sites and refurbishment projects. Without the additional regulatory requirements of regulated bridging, unregulated loans can often complete faster and with more flexible criteria.
Best Use Cases
Get a Quote
Fast response — often within the hour for urgent cases.
Key Criteria
• LTV: Up to 75–80% (higher with additional security)
• Loan size: £50,000 to £25,000,000+
• Term: 1 to 24 months
• Rates: From 0.55% per month
• Speed: Completion from 5 working days
• Credit: Adverse credit, CCJs and defaults considered
How the Process Works
Enquiry
Tell us about the deal — property, amount, timeline and exit strategy.
Terms & Costs
We source the best terms from our panel and provide a full cost breakdown.
Valuation & Legal
Valuation is instructed and solicitors prepare legal documentation.
Completion
Funds released — often within 5–14 working days from initial enquiry.
Risks & Considerations
- • Bridging loans carry higher interest rates than standard mortgages — they are designed for short-term use only
- • If your exit strategy fails (e.g. property doesn't sell), you may face penalty charges or the lender may seek repossession
- • Arrangement fees, valuation fees and legal costs apply and should be factored into the total cost
- • Interest is typically charged monthly — ensure you budget for ongoing costs during the loan term
- • Some bridging loans are not regulated by the FCA — unregulated loans do not offer the same consumer protections
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Unregulated bridging loans are not regulated by the Financial Conduct Authority. You will not benefit from FCA consumer protections. Your property may be at risk if you do not keep up repayments.
Chess Mortgages is authorised and regulated by the Financial Conduct Authority. Some bridging loans are not regulated by the FCA.
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.