Bridging Finance

What is Bridging Finance?

Bridging Finance, also known as Bridging Loans, are interim financing options used by investors, landlords and residential buyers. They are useful in a variety of ways as they offer a flexible option to ‘bridge the finance gap’ when there isn’t immediate access to funding.

There are two common types of loans associated with Bridging Finance, these are known as Regulated and Unregulated. Determining what type of loan is required depends on the type of property and its use. More information about these two types of loans can be found on their dedicated pages.

Who Regulates the Loans?

The Financial Conduct Authority (FCA) regulates the financial services sector, including lenders that offer bridging loans. They are there to ensure financial markets remain honest, competitive, and fair. If UK markets work well, competitively and fairly they benefit customers, staff and shareholders, and maintain confidence in the UK as a global financial hub.

Unregulated bridging lenders will still adhere to proper and professional behaviour, they follow and maintain the correct standards from organisations such as the National Association of Commercial Finance Brokers (NACFB), the Financial Intermediary & Broker Association (FIBA) and The Association of Short Term Lenders (ASTL).

Check out one of our latest NapeX Blog articles as we share news of an Exclusive Bridging Product.

Featuring a fee rate of 1.5% for loans exceeding a million, an exceptionally competitive rate of just 0.75% per month with terms up to 12 months and the elimination of a practical completion certificate or warranty sign off.

For more about this product, and others, contact the team today.

Next Steps …

If you need an interim finance solution such as Bridging Finance, then make sure you check out our additional information about Regulated and Unregulated loans. Alternatively, contact us today and our team of experts will help clarify what you need, and what options you will have.

Contact Us Today

Our team of experts are on hand to help with any of your enquiries.

Useful Information

Take a look at our Useful Information section for some extra guidance and insights about what you are requesting.

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