Bridging loans for homeowners.
A bridge secured on your own home is regulated lending. We do not advise on it. We introduce you to Made 2 Measure Finance Limited, our FCA-authorised partner, who do.
Is your bridge regulated? If it is on your home, yes.
A bridging loan secured on a property you live in, or intend to live in, is a regulated bridging loan. It falls under the FCA's mortgage rules, which exist to protect people borrowing against their home. The test is the security, not the borrower and not the purpose.
That is a different product from the bridging Hunter Grey arranges. We arrange unregulated bridging for limited companies and SPVs, secured on commercial and investment property. A bridge on your own home is not something we advise on or arrange.
Here is how we help, plainly. We introduce you to Made 2 Measure Finance Limited (FCA No. 1044045), an Appointed Representative of Cornerstone Finance Group Ltd (FCA No. 767202). They are authorised to advise on regulated home finance. We make the introduction; they give the advice and make any recommendation.
Hunter Grey is not authorised or regulated by the Financial Conduct Authority. Nothing on this page is advice, a recommendation, or an offer of a regulated product.
What homeowners use bridging for.
Four situations come up again and again. All four, secured on a home you live in, are regulated.
- Breaking a chain. Your buyer pulls out, or your sale is delayed and your onward purchase is at risk. A bridge can let you complete the purchase while you wait for the sale to catch up.
- Buying before you sell. You have found the house you want and your own has not sold. A bridge funds the purchase and is repaid when the old home sells.
- Buying at auction as an individual. Auction completion is usually 28 days, which a normal residential mortgage rarely meets.
- Buying a home no lender will mortgage yet. No kitchen, no bathroom, structural work outstanding. A bridge buys it, the work makes it mortgageable, a normal mortgage repays the bridge.
Each of these needs a regulated adviser, because each is secured on a home. That is why we introduce rather than advise.
How we help: an introduction, not advice.
What you need, and how the property is owned
That is what decides whether it is regulated (your home) or unregulated (a company or investment property).
To Made 2 Measure Finance Limited
FCA No. 1044045, an Appointed Representative of Cornerstone Finance Group Ltd (FCA No. 767202). The introduction is all we do on a regulated case.
Under their authorisation, not ours
They assess your circumstances, tell you whether a bridge is right for you, and arrange it if it is. They are also free to tell you it is not.
We do not advise on the regulated product
We do not assess suitability, recommend a lender, or quote a regulated rate. Those are theirs to do.
If your borrowing turns out to be unregulated, because a company or SPV is borrowing against commercial or investment property, then it is us you need directly. Commercial and business bridging →
The risks. Your home is the security.
- Your home is at risk. If you cannot repay the bridge, because your sale falls through or drags on, the lender's security is the home you live in. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
- Bridging is expensive. It is priced monthly, not annually, and costs considerably more than a residential mortgage. That is the trade for speed and for lending against a situation a mortgage lender will not touch.
- The exit is the whole thing. A homeowner bridge nearly always relies on your existing home selling. If it does not sell, or sells for less than you expected, you have a problem that grows monthly. A regulated adviser will stress-test that with you.
- Chains are unpredictable. The uncertainty that makes a bridge attractive is the same uncertainty that makes it risky.
- It is not always the right answer. Sometimes renting between homes, or renegotiating, costs less and risks less.
These are exactly the things a regulated adviser exists to weigh. It is another reason the advice matters, and why we send you to someone qualified to give it rather than offering a view ourselves.
What it costs.
A homeowner bridge is priced monthly like any bridge, with arrangement, valuation and legal costs on top, and usually an exit fee. Interest is often rolled up rather than paid monthly, which means the balance grows for as long as the bridge runs.
We do not quote rates on regulated products, because we do not advise on them and a rate without a suitability assessment is not much use to you. Made 2 Measure will give you the real figures for your situation, alongside an assessment of whether the borrowing is right for you at all.
The rates published elsewhere on this site are for unregulated commercial lending to limited companies. They do not apply to a regulated homeowner bridge.
Regulated or unregulated? Which are you?
| Your situation | Regulated? | Who helps |
|---|---|---|
| A bridge on the home you live in | Regulated | We introduce you to Made 2 Measure |
| A bridge on a home you are buying to live in | Regulated | We introduce you to Made 2 Measure |
| A bridge on a buy-to-let held in your own name | Usually unregulated | Depends on the facts, ask us |
| A bridge on commercial or investment property held in a company | Unregulated | Us, directly |
Not sure? Tell us what the property is and how it is owned, and we will point you the right way: to Made 2 Measure if it is regulated, or handle it ourselves if it is not. Commercial and business bridging →
Frequently asked questions.
Can I get a bridging loan on my own home?
Yes, but it is regulated lending, so it needs a regulated adviser. Hunter Grey introduces you to Made 2 Measure Finance Limited (FCA No. 1044045), who advise on and arrange homeowner bridges. We do not advise on them ourselves.
What is a regulated bridging loan?
A bridge secured on a property you, or an immediate family member, live in or intend to live in. It falls under the FCA's mortgage conduct rules. It is a different product from unregulated bridging secured on commercial or investment property.
Can you help me bridge to break a chain?
We can introduce you to our regulated partner, who advise on homeowner bridging including chain breaks. We do not advise on regulated home lending ourselves.
Do you charge for the introduction?
Any fee we charge is disclosed to you in full before you commit to anything. Any fee for the regulated advice itself is Made 2 Measure's, and they will set it out for you in their own disclosures before you proceed.
What if my property is a buy-to-let, or held in a company?
Then it may well be unregulated, and it is likely us you need directly. Tell us how the property is owned and we will confirm which side of the line it falls on. Commercial and business bridging →
Is Hunter Grey FCA regulated?
No. Hunter Grey is a credit broker arranging unregulated commercial finance for limited companies. For regulated products we introduce you to Made 2 Measure Finance Limited (FCA No. 1044045), an Appointed Representative of Cornerstone Finance Group Ltd (FCA No. 767202).
Will the introduction commit me to anything?
No. An introduction is just that. Made 2 Measure will assess your situation and may well tell you a bridge is not right for you, which is part of what regulated advice is for.
Tell us about the property.
We will tell you which side of the regulated line you are on, and introduce you to Made 2 Measure if that is where you need to be.