Types of loans

Regulated

Completion in days, not weeks

South West, South Coast England and South Wales

48 hours

decision time
Up to 12 mths

loan period
£200K to £5m

borrow amount
From 0.9%

monthly interest
Up to 70%

loan to value
2%

commitment fee

Regulated explained

The advantage of a regulated bridging loan is that is regulated by the Financial Conduct Authority (FCA), which is a British Government agency that is responsible for protecting consumers. It means you are protected from incorrect advice or mis-selling and this protection is made exclusively for consumers and their own homes.

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.

Enquire now

See our case studies

View all

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Bespoke Conversion in Bath

David Stubbs and Guy Dungworth needed specialist finance to convert a 19th century former chapel in Bath City Centre. David and Guy operate the largest…

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Game, Set, Match!

Developer Adrian Holloway spotted an ace development opportunity when his local tennis club relocated. When Woodley Tennis Club merged with another local club Adrian spotted…

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Clear Skies Ahead

The challenge was to renovate a part finished house, that had been empty for 12 years, and find a funder who would understand. The first…

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Agricultural Tie Solved

An agricultural tie and probate pressure didn’t stop Bricks finding a fast solution for a Devon family. When funding was needed to complete the purchase…

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

Loans

It has been fantastic working with you all and we’ve appreciated your advice, support and efficiency throughout."

Vicki and Peter, Property Development

Loans

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

Loans

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

Loans

Personally, I found the service from Bricks 11/10 in every aspect, and I would highly recommend."

Oli, Property Developer

Devon

Loans

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

Cornwall

Loans

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

Devon

Loans

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

Somerset

Loans

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

Devon

Loans

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

Cornwall

Loans

I feel like Bricks is part of our team and wants a successful outcome for us as much as we want it."

Sam, Property Development

Devon

Loans

Frequently asked questions

Is the whole loan process managed online? If so, how can I apply?

Do you offer loans for pensioners?

Can I get a loan even if I am retired?

Are your bridging loans regulated or unregulated?

How long does it take to arrange a loan?

Do you offer short term and long term loans?

What’s the maximum amount of money I can borrow?

Is the whole loan process managed online? If so, how can I apply?

Do you offer loans for pensioners?

Can I get a loan even if I am retired?

Are your bridging loans regulated or unregulated?

How long does it take to arrange a loan?

Do you offer short term and long term loans?

What’s the maximum amount of money I can borrow?

Get in touch

How would you like to contact us?

What is the best time to reach you?

Mornings Afternoons

What is it you're interested in?

Which loan can Bricks help you with?

Name

Phone number

Types of loans

Regulated

48 hours

Up to 12 mths

£200K to £5m

From 0.9%

Up to 70%

2%

Regulated explained

See our case studies

Bespoke Conversion in Bath

Game, Set, Match!

Clear Skies Ahead

Agricultural Tie Solved

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."

It has been fantastic working with you all and we’ve appreciated your advice, support and efficiency throughout."

I'm so happy and want to thank you with all my heart - you have enabled me to buy the property of my dreams!"

We cannot thank you enough for helping get this over the line and the life-changing opportunities that are now on the horizon"

Personally, I found the service from Bricks 11/10 in every aspect, and I would highly recommend."

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."

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."

I was really pleased with how quickly I had access to finance. I would recommend them to anyone looking to raise finance."

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."

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."

I feel like Bricks is part of our team and wants a successful outcome for us as much as we want it."

Frequently asked questions

Is the whole loan process managed online? If so, how can I apply?

Do you offer loans for pensioners?

Can I get a loan even if I am retired?

Are your bridging loans regulated or unregulated?

How long does it take to arrange a loan?

Do you offer short term and long term loans?

What’s the maximum amount of money I can borrow?

Is the whole loan process managed online? If so, how can I apply?

Do you offer loans for pensioners?

Can I get a loan even if I am retired?

Are your bridging loans regulated or unregulated?

How long does it take to arrange a loan?

Do you offer short term and long term loans?

What’s the maximum amount of money I can borrow?

Get in touch

Speak to us directly

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