Unregulated Bridging Loans:
Why are APT Bridging Finance unregulated?
Bridging Finance is only regulated when it is offered to consumers. This happens when an individual secures a bridging loan against a property in which they or any their family members live. Because bridging loans taken out exclusively for business purposes don’t impact on consumers’ rights, they are not regulated. APT Bridging Finance brokers bridging loans exclusively for businesses, which is why we are unregulated.
What’s the difference between first and second charge bridging loans?
A first charge bridging loan is secured against a property that doesn’t have any other loans secured against it.
A second charge bridging loan is secured against a property that already has a mortgage secured against it. Your second charge loan would sit behind your mortgage (the ‘first charge’). You will need permission from your mortgage lender before securing a second charge loan against your property.
What happens if I can’t repay my bridging loan?
Your property may be at risk of repossession if you can’t repay your bridging loan or refinance on different terms. This is why planning a solid ‘exit strategy’ (stipulating which transaction will allow you to repay the loan) is a crucial part of taking out bridging finance. No reputable broker will arrange a bridging loan where there is not a viable exit strategy in place. This reduces your risk considerably.
Why use a bridging finance broker?
When you need finance in a hurry, interest rates can get very expensive. Brokers have immense experience of sourcing bridging finance quickly. They can find you the deal you need at a reasonable price. Without a broker’s support, you might end up paying over the odds for your loan and waiting ages before the funds arrive in your account. Brokers connect you with lenders. They do not make any loans themselves.
Am I eligible for bridging finance?
If you are a UK resident with a low income-to-debt ratio, then bridging finance could be perfect for you. At APT, we focus on your future growth. If you have a history of arrears or even CCJs, you may still be eligible for bridging finance. If you’ve got a solid exit strategy, ambitious growth plans and valuable property as security, that all matters far more to our lenders than your financial history.
Do you accept land as security for bridging finance?
Yes. The funding for your next development project is just a call away.
Is the interest rate on my loan the only fee involved in bridging finance?
No - depending on the size and condition of your property, other fees will apply. If your loan is a second charge (secured against a mortgaged property), these fees will be higher.
In general, your lender will charge
- an arrangement fee for providing you with the loan
- and exit fees for early repayment
- as well as an interest rate
- Your broker will charge a fee for introducing you to the lender. This can be paid up-front or on exit.
- Their surveyor will charge you valuation fees for valuing any property or properties you are offering as security for loan
- Your solicitor will charge you legal fees for their services.


Tel: 01217204020.
Email: info@aptpayment.co.uk OR mohammad.samad@aptpayment.co.uk

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