Our short term bridging loans are for purchase, refinance, property improvement or to unlock working capital for business purposes.
This unique overdraft provides you with a flexible drawdown facility giving you instant liquidity and avoids heavy setting-up costs.
Individually structured loans for residential and commercial projects, with finance available for site purchase, construction and fees, refinance, equity release and to provide working capital. Loans are available up to 90% of the site cost.
Flexible first and second charge non-regulated loans available on terms from 3 to 5 years.
We have a commitment to innovation and with the ever changing financial landscape around us we have designed a range of unique Specialist Lending products that solve a range of property finance needs.
Regulated Bridging Loan
We are regulated bridge lenders providing a specialist Regulated Bridging Loan Finance service. Alternative Bridging Corporation (Cheval) Limited is authorised by the Financial Conduct Authority (FCA) to make regulated first and second charge loans to homeowners.
We are service driven and establish close relationships with introducers. Our bridging loan specialists review each proposal individually to ensure accurate delivery of your regulated loan. We have been providing short term loans for over 30 years so you can be rest assured you are in safe hands.
View our ‘6 steps to funding success’ here.
As amounts can vary, please contact us to discuss your Regulated Bridging Loan query with one of our experienced BDMs. We’ll quickly make a decision regarding your Regulated Bridging Loan requirements and will swiftly progress your short term funding solution without delay.
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You will automatically be directed to download an application form when you register.
Loan Term 3 – 12 Months
Amounts £250,000 – £3,000,000
LTV up to 70%
Interest from 0.75% p.m
Amounts £250,000 – £2,000,000
LTV up to 65%
Interest from 0.90% p.m
A Regulated Bridging Loan can be secured against:
Alternative Bridging Corporation (Cheval) Limited Regulated Short Term Loans are available for purchase, refinance, refurbishment, equity release or to unlock working capital for business purposes.
Find out all the answers to your frequently asked questions about Regulated Bridging Loan.
A regulated bridging loan is a short term loan secured against a residential property which is or soon will be occupied by the borrower or family member. This type of bridging finance is regulated by the FCA. (Financial Conduct Authority).
They can be secured against a first or second charge mortgage on residential properties to individuals, partners, Ltd companies & LLPs.
Regulated bridging loans are short term loans used for purchase, refinance, property improvement or to unlock working capital for business purposes.
Yes. Alternative Bridging Corporation (Cheval) Limited is authorised and regulated by the Financial Conduct Authority (FCA) to make regulated first and second charge short term loans to homeowners. Link to: https://www.fca.org.uk
No. We do not charge up-front fees for our Regulated Loans and our terms are detailed in a European Standard Information Sheet (“ESIS”) which is provided to our broker partners upon request to explain to their clients without delay.
Our regulated loans are available for up to 12 months by first or second charge on residential owner-occupied property.
A regulated bridging loan is required as short term solution, if you’re borrowing against a residential property occupied by the borrower or their family member, while non-regulated loans can be used for buy-to-let and commercial property.
Our regulated loans are available to individuals and partners. Our bridging loan specialists review each proposal individually to ensure accurate delivery of your regulated short-term loan.
You can borrow from £250,000 up to £3.5m secured against a first charge owner-occupied house or flat or from £250,000 up to £2m against a second charge owner-occupied house or flat.
Yes. We provide regulated bridging finance across the UK including England and Wales.
Loans can have fixed or variable rates. At Alternative Bridging we offer both first and second charge loans. (please refer to our lending terms and criteria above) Whether we offer you a first charge or second charge loan will depend on what the repayment priority is if you default on a loan.
For example, if you take out a regulated loan on buying your next home, but still have a mortgage on your existing home, your mortgage will act as a first charge loan against your existing home. Or if you would prefer a second charge bridging loan, your bridging loan may act as a second charge loan on your existing home. This means your mortgage will take priority if your home is repossessed.
Alternatively, you can use a bridging loan to pay off your mortgage, in which case the bridging loan then becomes the first charge loan against your existing home.
