Unregulated Bridging Loans

Unregulated bridging loans

Unregulated bridging loans are secured against properties that are not the borrower's main residence* and are used for business or investment purposes. They are often a great solution for property professionals, landlords, investors and developers who need to ‘bridge a gap’ in a short time frame.

This type of finance can be first charge or second charge and work in the same way that regulated bridging loans do. As long as there is enough equity and a clear repayment, a first or second charge can be secured on the property.

These types of bridging loans can be secured on properties such as houses, flats, offices, retail or land, as long as the client or their immediate family do not occupy more than 40% of the property. If the client or their family live in the property, used to live in the property or inherited the property, the loan may still be unregulated if it is being raised as a second charge for business purposes.

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Aria in Action: £31M Bridging Deal for Landmark Edinburgh Hotel

Key Product Features

Speed
Flexibility
Large loan sizes up to £30m+
No early repayment charges
Interest roll-up / retained interest meaning no monthly payments
Up to 100% LTV available with additional security
Peace of mind that your clients’ cases are being dealt with by industry-leading experts
Finance can be used to purchase or re-mortgage as a first or second charge loan
Loans can be secured against all property types: houses, flats, commercial units, land with planning, uninhabitable, and un-mortgageable properties

Customer benefits

Suitable when a borrower needs:

Access to money quickly
Has adverse credit and declined on the high street for a traditional loan
To purchase an unmortgageable property
To bridge the gap between purchase and sale
To save a property chain break

Over 20 years of experience

Why choose Aria?

With over 20 years of experience in bridging finance and the specialist distribution industry, our expert team works on your behalf to provide access to market-leading rates with rapid loan completion as standard. We offer one point of contact from enquiry through to completion, always aiming to make the process as smooth as possible