Are Bridging Loans Regulated?

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Are Bridging Loans Regulated?

Bridging finance loans are usually secured against residential or commercial properties, you could potentially borrow up to 100% LTV on a bridging finance loan. This will be classed as a first or a second charge against the property you are securing it. The FSA does regulate bridging loans for where the property is a residential property where at least 40% of the property is used by your self. These bridging loans are reffered to as Residential Bridging loans by the FSA. For the bridging finance loan to be regulated by the FSA the following factors must be met, these are, you the borrower are an individual or a trustee, the lender must have a first charge on the property, and finally at least 40% of the property must be occupied by your self or your relatives. Regulated Bridging Finance loans include the following. Chain Breaking, Buying at Auction , Cash Buyer Opportunities, Refurbishment, Rapid Capital Raising. However there are some instances of bridging finance loans that are not regulated by the FSA, these are the commercial Bridging Finance loans. These will include bridging finance for the following scenarios, buy to let, second charge loans, loans for businesses. Commercial bridging finance applies to people who need bridging finance to but secure the loan on a property which is not used for residential purposes.