Types of loans


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.
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What our customers say

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?

Get in touch

Speak to us directly

We'd love to hear from you. Whatever your enquiry give us a ring or send us an email and we'll respond as soon as possible.

Bricks Finance Ltd
Winslade Park
Manor Drive
Exeter, EX5 1FY
United Kingdom