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 .

These loans—also called bridge financing—are short‑term funding used until permanent finance is secured or an existing obligation is cleared. They typically run for up to one or two years and are often used in real estate .

Charles Street Finance provides loans from £75,000 up to £3 million, with larger loans considered by referral.