BRIDGING

We provide specialist advice on bridging finance for clients who require short-term funding to support property purchases, refinances or time-sensitive transactions. Bridging loans are designed to offer flexibility and speed, typically for periods of up to 12–24 months.

We advise on both regulated and non-regulated bridging loans, depending on the nature of the property and the borrower’s circumstances.

All advice is provided subject to current lender criteria and individual circumstances.

Regulated Bridging Loans

A regulated bridging loan applies where the property is, or will be, occupied by the borrower or a close family member. These loans fall under FCA regulation and require a full assessment of suitability.

Regulated bridging may be suitable for:

Purchasing a new home before selling an existing one
Short-term finance on a residential property
Chain-break solutions where timing is critical

All regulated bridging advice is provided in accordance with FCA requirements.

Non-Regulated Bridging Loans

A non-regulated bridging loan applies where the property is not intended to be occupied by the borrower or a close family member, such as investment or commercial property.

Non-regulated bridging may be suitable for:

Buy-to-let, HMO or multi-unit acquisitions
Commercial or semi-commercial property
Auction purchases
Properties requiring refurbishment
Portfolio or short-term investment strategies

Non-regulated bridging loans are not regulated by the Financial Conduct Authority.

Our Bridging Finance Services Include

Purchases & Auction Finance

Fast-turnaround funding to support time-sensitive property purchases.
Refinance & Capital Raising

Short-term solutions for refinancing or releasing capital, subject to lender criteria.
Light & Heavy Refurbishment Projects

Bridging solutions for properties that are not immediately mortgageable.
Limited Company & SPV Borrowing

Advice for clients borrowing through Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.

How Bridging Loans Are Assessed

Bridging applications are typically assessed on:

Property value and exit strategy

Loan-to-value (LTV)

Property condition and location

Borrower experience and background

Duration of the loan and proposed repayment method

A clear and credible exit strategy is a key requirement for most bridging lenders.

Important Bridging & Exit Strategy Disclaimer

Bridging finance is a short-term funding solution and is not intended as a long-term borrowing option. Failure to execute the planned exit strategy may result in financial loss.

We do not provide legal, tax or development advice and recommend clients seek independent professional advice where required.

Why Use a Specialist Bridging Broker

Bridging loans are often bespoke and lender criteria vary significantly.

We provide access to a wide range of specialist bridging lenders, experience with both regulated and non-regulated cases, clear explanation of costs, risks and timelines, and support throughout the application and completion process.

All lending is subject to valuation, underwriting and lender approval.

Who We Work With

We work with:

Home movers requiring regulated bridging
Property investors and developers
Limited company and SPV borrowers
Clients requiring short-term finance solutions

Not all applications or properties will qualify. Each case is assessed individually.

Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your loan.
Regulated bridging loans are subject to FCA regulation and lender assessment.
Non-regulated bridging loans are not regulated by the Financial Conduct Authority.
Rates, fees, terms and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA