Looking at Bridging Finance?

Bridging finance is an excellent tool, and we know all the ins and outs!

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What is Regulated Bridging Finance?


Regulated bridging finance is a short-term loan designed to help homeowners and residential property buyers access funds quickly. If you need to complete a property purchase fast, raise money while waiting for your existing home to sell, or manage a temporary cashflow gap, a regulated bridging loan can provide the flexibility you need.

At Naomi Financial, we help clients find suitable, regulated bridging options based on their circumstances and goals.

Regulated bridging finance is a short-term loan secured against a residential property that you or a family member intend to live in. Because it involves your home, it is regulated by the Financial Conduct Authority (FCA), offering important consumer protections.

Typical uses include:

  • Buying a new home before selling your current one
  • Funding a chain break
  • Downsizing or upsizing
  • Carrying out essential home improvements before a sale
  • Raising funds while waiting for long-term mortgage approval

Regulated bridging loans usually run for 3–12 months, with repayment often coming from the sale of your existing property or refinancing onto a standard mortgage.

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How Regulated Bridging loans work


  • Loans are secured against a main residence or future main residence
  • Funds can be accessed quickly
  • Interest is usually rolled up (added to the loan) or serviced monthly
  • The loan is repaid in full at the end of the term
  • Lenders will assess your planned exit strategy (e.g., sale or remortgage)
A laptop on a table with a screen showing a sef build mortgage application. The laptop is sat on top of architectural drawings.


Benefits of Regulated Bridging Finance


A regulated bridging loan may offer:

  • Fast access to funds, ideal when timescales are tight
  • Flexibility to complete a purchase even if your buyer pulls out
  • A solution for buyers stuck in a broken chain
  • Ability to move quickly in competitive property markets
  • The security of FCA regulation and consumer protection
A woman is holding a copy of a letter from her mortgage company saying she has been successful in her application for her self build mortgage that Naomi Financial helped her secure.


Things to consider


It’s important to understand the risks and responsibilities involved:

  • Your property is used as security
  • If the loan is not repaid on time, your home may be at risk of repossession
  • Rates and fees are typically higher than long-term mortgages
  • A clear, realistic exit strategy is essential
  • Early repayment charges or fees may apply depending on the lender
An image of a cement mixer truck arriving at site in order to pour the concrete into new footings that have been dug for the new self build house.


Alternatives to Regulated Bridging Finance


Depending on your plans, you may also want to consider:

  • Short-term secured loans
  • Further advances on your existing mortgage
  • Remortgaging onto a flexible product
  • Buy-to-let or let-to-buy mortgages
  • Using savings or other assets

An image of Naomi from Naomi Financial stood outside a building that is in the process of being built. She is stood holding a hammer and a handful of nails.


Why choose us for Regulated Bridging Finance?


At Naomi Financial, we provide independent, personalised advice to help you understand whether regulated bridging finance is the right solution for your situation.

We’ll assess your timeframes, your repayment strategy, and your longer-term goals to recommend the most suitable short-term lending options.