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Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

Enquiry/Application for Individual Applicants


10 Top Tips for finding the right bridging lender

Latest News

Why are we all so hung up on regulation?

Regulation, regulation, regulation. We hear about it time and again in the bridging sector. To be honest, it’s getting a bit boring. Why? Because the point is moot in my opinion. Bridging itself is no more in need of regulation than buy-to-let. The vast majority of bridging – or short-term finance more accurately - is a commercial decision, albeit in the residential property market.

These are experienced landlords and property developers looking for reliable and fast finance to fund commercial projects. Regulation is only helpful when there is a consumer to protect – and 95% of bridging is business.

So why are we all so hung up on regulation?

Perhaps the most obvious reason is that the regulator – formerly the Financial Services Authority but now the Financial Conduct Authority – waded into the debate on the bridging market when it published its second Mortgage Market Review consultation paper in late 2011.

It raised concerns anecdotally, saying it had heard of consumers being urged to take short-term bridging in situations they should have been taking a mainstream residential (and therefore regulated) mortgage. Because of the credit crunch and the banking crisis borrowers couldn’t find a deal as lenders, as we know all too well, have been far tighter on their criteria than pre-2008.

But while I have full respect for the FCA taking a stand against this type of customer abuse I think it is fair to say that it is a tiny minority of the bridging market that succumbs to this type of lending – if any at all.

That’s not to say the bridging market and all lenders are whiter than white. There has been much evidence published in various trade magazines showing that some lenders are tying their borrowers up in opaque paperwork, others are charging exorbitant rates of interest, penal rates of interest are being applied, backdated to the start of a loan if it fails to repay on time and there are those still charging sky high fees and then pulling out of doing the loan last minute.