A bridging loan can support cases like:

• Purchases from auction with fast completion
• Planning gain/change of use to enhance property value
• Mortgage chain break to progress before sale
• Probate release on inherited property
• Renovation financing to boost rental returns
• Purchase at a discount to capture opportunities 

Yes. Currently, commercial bridging finance—including for investment, buy‑to‑let, or commercial properties—is non‑regulated and not protected by the FCA .

Ideal for offices, retail units, industrial premises—or complex or large residential properties—where permanent funding is pending .

Commercial bridging loans are short‑term financing used to purchase or refinance commercial real estate when permanent funding isn’t available .

Loan‑to‑Value (LTV) is the ratio of the loan amount to the property’s value .

Gross Development Value (GDV) is the estimated open market or rental value of a property once development completes, based on recent comparable sales .

Generally, any residential, semi-commercial or commercial property qualifies, whether habitable or not.