Types of loans
Up to 12 mths
£200K to £5m
Up to 70%
loan to value
Mortgages and loans used for commercial or business-related purchases tend not to be regulated by the FCA.
Whether or not a bridging loan is ‘regulated’ or ‘unregulated depends on who is living at the property offered as security. If it is the borrower or a close member of their family, then the loan is regulated. If the borrower does not reside at the security property but has plans to do so, then the loan will be regulated.
In order to provide a regulated loan a lender must be authorised by the Financial Conduct Authority (FCA). Bricks Finance is authorised by the FCA to provide regulated loans. We also provide unregulated loans.
To be authorised, a lender must observe strict rules as set out by the FCA. It also approves the key individuals within the firm, including all directors and certain others holding key positions, such as Compliance Officers. The FCA must be comfortable that the individuals are fit and proper to take on these roles.
You can see our tariff of fees and charges by visiting: https://bricksfinance.co.uk/tariff-of-mortgage-fees-and-charges/
You can check the FCA Register of companies by visiting: https://register.fca.org.uk/s/
If you live in the South West or South Coast of England or South Wales, you can arrange regulated or unregulated finance with Bricks Finance.
Bridging Loan in 48hrs
A Devon couple chose a Bricks bridging loan for the auction finance for their dream home. Fiona Ellaway said, ‘Without Bricks Finance we were likely…
What our customers say
Thank you for partnering with us on this project. It's been great to have had a knowledgeable funder who understood the project and allowed us to get on with doing what we do."
John & Sam, Property Development
It has been fantastic working with you all and we’ve appreciated your advice, support and efficiency throughout."
Vicki and Peter, Property Development
I'm so happy and want to thank you with all my heart - you have enabled me to buy the property of my dreams!"
Chloe, Property Loan
We cannot thank you enough for helping get this over the line and the life-changing opportunities that are now on the horizon"
Jill, Property Finance
Personally, I found the service from Bricks 11/10 in every aspect, and I would highly recommend."
Oli, Property Developer
Bricks have given me the support I needed to do this. I couldn’t be happier to see it going up before my very eyes."
Russ, Beach House Development
When the guys from Bricks say they are going to back you they do, and it has been a real pleasure partnering with them on this project."
Matt, Property Development
I was really pleased with how quickly I had access to finance. I would recommend them to anyone looking to raise finance."
Jon, Property Development
I’d really recommend Bricks Finance for anyone who needs to raise finance. They just allow you to get on and make things a success."
Dave and David, Property Development
I will be forever indebted to you all (thankfully no longer financially!) for taking a punt on somebody looking for a leg up in a new industry."
Alex, Forest Holiday Village Development
Frequently asked questions
Is the whole loan process managed online? If so, how can I apply?
You can apply online now by using our contact us form and we will respond within 24 hours. Or you can just call us on 01392 345778.
Do you offer loans for pensioners?
Yes, Bricks Finance lends to pensioners. You can apply now by contacting Tracey Abbott, our Head of Lending, by calling 01392 345778 or use our contact us form.
Can I get a loan even if I am retired?
Yes, Bricks Finance lends to people who are retired. You can apply now by contacting Tracey Abbott, our Head of Lending, by calling 01392 345778 or use our contact us form.
Are your bridging loans regulated or unregulated?
Both, Bricks Finance offers regulated and unregulated loans.
How long does it take to arrange a loan?
We have made loans as quickly as two days from initial request.
Do you offer short term and long term loans?
We offer loans from 3 to 36 months.
What’s the maximum amount of money I can borrow?
Between £50,000 and £2,000,000. Larger loans may be possible.