Bridging Finance

At Mor-Invest, we specialize in offering bridging finance advice to meet your short-term financial needs.

At Mor-Invest, we provide expert bridging finance advice, helping you secure short-term funding solutions tailored to your needs. Whether you’re covering gaps between property transactions, financing a project, or managing urgent expenses, our advisers guide you through the best regulated bridging loan options available.

We assess your financial situation, compare lenders, and ensure you choose a transparent, secure, and cost-effective solution. With our expertise, you can access quick and flexible funding with confidence.

Bridging Finance Advisory Services

Unregulated

What is Unregulated Bridging Finance?
Unregulated bridging loans are not governed by the FCA, as they are used for commercial and investment purposes rather than personal residences. These loans offer flexibility and are ideal for property developers, landlords, and businesses needing short-term funding.

Who Can Benefit?

Property investors & landlords purchasing buy-to-let or commercial properties.
Developers funding renovation or refurbishment projects.
Auction buyers needing fast finance for investment properties.
Business owners securing short-term funding against commercial assets.

Key Benefits:
Fast and Flexible – Less regulatory restrictions mean quicker approval times.
Ideal for Investment Properties – Perfect for flipping properties or rental investments.
Higher Borrowing Potential – Often allows larger loan amounts compared to regulated loans.

Considerations:
🔸 No FCA protection – Borrowers must fully understand the terms and risks.
🔸 Requires a clear exit strategy, such as refinancing or selling the property.
🔸 Interest rates may be higher due to increased lender risk.

Regulated

What is Regulated Bridging Finance?
Regulated bridging loans are short-term financial solutions secured against a property that is or will be used as your primary residence. These loans are governed by the Financial Conduct Authority (FCA) to ensure borrower protection and fair lending practices.

Who Can Benefit?

Homeowners needing funds to complete a property purchase before selling their existing home (chain break financing).
Individuals buying auction properties and requiring quick access to finance.
Homebuyers facing delays in long-term mortgage approvals.
People refinancing their main residence for urgent financial needs.

Key Benefits:
FCA-Regulated Protection – Ensures fair lending, transparency, and borrower security.
Quick Access to Funds – Ideal for urgent property transactions.
Flexible Exit Strategies – Typically repaid through property sale or refinancing.

Considerations:
🔸 Clear repayment plan required – such as selling the property or securing a long-term mortgage.
🔸 Loan terms typically range from 3 to 12 months.

Why Choose Mor-Invest for Bridging Finance Advice?

Expert Guidance – Our advisers help you navigate the complexities of both regulated and unregulated bridging loans.
Tailored Solutions – We assess your financial situation and recommend the best funding options.
Access to a Wide Network of Lenders – We compare providers to secure the most competitive rates.
Clear and Transparent Advice – We ensure you understand the terms, risks, and benefits before making a decision.

Eligibility criteria for bridging finance

Security: The loan must be secured against a property, usually one that you or an immediate family member own.
Exit Strategy: You must have a clear plan for repaying the loan, such as selling the property or refinancing with a traditional mortgage.
Credit History: A good credit history is often required, although some lenders may consider applications with adverse credit.
Property Value: The property used as security should have sufficient value to cover the loan amount and interest.
Loan Term: Bridging loans are typically short-term, ranging from 1 to 12 months, but can extend up to 36 months in some cases.
Interest Rates: Interest rates are usually higher due to the short-term nature of the loan and are charged daily

To Enquire About Bridging Finance