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AdMainBridging.

4 easy steps for quickly accessing secured borrowing options.


Contact us.

Get in touch with us several ways.

Give us a call on any of two numbers. 0845 475 1814 or use our normal landline number 0203 287 7169 if you are using a mobile. Alternatively skype Bridging.Finance or use the email addresses below.


Property is required as security.

We will value your home to determine loan.

When we arrive we will conduct a private, external survey of the building. After completion we need access to the inside so that we can proceed with the internal survey and general viewing.


Cheap interest and flexiible repayment plans.

Get an offer of finance almost immediately.

From the valuation and the information you give us about any outstanding mortgage or other loans secured on the property, we can ascertain just how much, or if we are able to lend to you.


Bridging loan money lender.

Accept & we transfer funds instantly.

As long as all paperwork is present and correct, we can transfer funds to your personal, business or any nominated bank account instantly.  We can also work to a specific date if required.

Or call: 0845 475 1814

Low rating score and bad credit accepted.

The FCA.

The FCA logo.

The FCA, an acronym for the Financial Conduct Authority is a UK based regulatory body that has almost 60,000 members including banks and building socieites, independent lenders, brokers and other such financial bodies. Their main goal is to make sure financial institutes are working within a set perametre of guidelines to make sure that lending and borrowing is not set up to cause people grave hardships in repayment terms. Any company found flauting the rules is liable for heavy fines and the likelihood of losing all credit certification, thus making their business obselete. As independent lenders, we are not ourselves a member, however we can offer regulated types of finance.

 Or apply online 

Regulated.

Regulated bridging loans.

There two main types of bridging loans available in the UK today. The first is a regulated bridging loan. This style of financing has to adhere to guidelines stipulated by the FCA. These usually come in the guise as a first charge loan specifically when the borrower, or would be borrower would like to live in the property used as security. The guidelines are fundamentally put in place to make sure that the person borrowing the bridging finance will not end up homeless unless they serious make a muddle of repaying the advance borrowed to them. Typically you need to own at least forty percent of the property being used as security. Regualted bridge finance is usually for homeowners only.

 Or apply online 

Unregulated.

Unregulated bridging loans.

The second main type of bridging finance available nationwide in the UK is unregulated bridging finance. Predominantly, this form of borrowing in not available for residential use as you as the borrower, or your family are unable to live in the property that is used as security. Typically, the unregulated loan is mostly for investment properties, buy to let houses and commercail property or land. It is easier to set up as none of the regulated guidelines come into play and the terms and conditions are more basic. We can act as an unregulated lender to anyone needing a bridge secured against a building or land that the borrower isn't living in. Give us a call today for info.

 Or apply online 

Why.

Why is there Government regulation?.

So why does the FCA exist? Alhough originally set up by the UK government, it is now a wholly independent body that is in place to help protect both borrowers and lenders. They exist to stop lenders lending monies that any borrower would struggle to repay and could lose their home, and also in place to stop people trying to borrow more than they can afford to pay back. Banks, building societies, independent regulated lenders and most brokers come under regualtion if they are a member of the body. There are almost 60,000 registered comapnies and people on their register and you can check if any lender is part of the body simply by checking the register at FCA.ORG.UK Or give us a call for more info.

 Or apply online 

Regulated 2nd charge bridging loans finance.

As a company, neither AdMainBridging or First Stop bridging loans are on the FCA register. We predominantly deal with business or investor enquiries. However, in our pool of lenders we do have access to regulated bridging finance. Get in contact with us to discuss your needs and we will match to one of lenders that would be best for you.

If you are planning to live in the house or property that you are using as security, then you can only qualify for a regulated bridging loan. The Financial Conduct Authority has specifically set up regulation to minimise the chance of homeowners getting their home repossessed should they default on any repayments. Other guidelines include proof of income to ensure that the repayment term is affordable to the borrower, which would be you should you decide to use one of our lenders for a short term loan.


Call on our local rate 0845 475 1814 from a land line or call 0203 287 7169
from your mobile or request a call back by using the quick contact form on the right hand side, or just below depending on whether you are browsing on a PC or mobile device. Alternatively, click the button for our full on enquiry form.

 Enquire online 

Unfortunately, at the time of publishing this web page, as far as we are aware, no UK bank or building society offers a bridging loan facility, either regulated and definetely not unregulated as all banks are now regulated by the FCA. The one exception is the Santander, who will offer a facility akin to a bridge, however they only facilitate this to their current mortgage clients.

Fortunately, as independent lenders, we can assess your situation and borrowing requirements and match you one of the lenders in our pool. Whether that may be a regulated or unregulated lender, will be determined by your situation.

The best way forward is to get in contact with us for an informal, non pressure chat about if an unregulated or regulated bridging loan would suit your needs the best.

Call us on 0845 475 1814 or you can click below  to apply online, or you are able to call us up from your mobile phone on the landline number 0203 287 7169  or request a call back by using the quick contact form on the right or directly below  this block, still without being under any obligation to accept any offer presented to you.  Alternatively, apply online by clicking the button.

 Enquire online 

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The Halifax is regulated

The Halifax, being a financial institute can only offer regulated loans. The do not offer a regulated bridging loan to homeowners, however business users can opt for a bridge directly through them. However, technically, it isn't a typical bridging loan. There are no early exits plans without exit fees. If you require a regulated bridge, contact us directly to see if we can help.

Halifax bridging loan

The Santander is regulated

As a former building society under the previous name of the Abbey National, but now a bank, Santander only offers regulated financing. They do offer a form of bridging too, however, this is for existing mortgage holders only. You cannot get a short term secured option from the Spanish based banking chain unless you are one of their customers already. We can offer anyone finance.

Santander bridging loan

Natwest is regulated

As one of the longest serving banking chains in the United Kingdom, as well as having an international arm, the Natwest is Financial Conduct Authority regulated. This means they cannot offer any form of unregulated lending and categorically do not offer any form of short term secured bridging finance. Learn more below.

Natwest bridging loan