Frequently Asked Questions
Are you a lender?
No. ExpertBrokerUK is a broker, not a lender. We source finance from lenders on your behalf.
What is a bridging loan?
Short-term finance secured on property, typically used until a sale or longer-term refinance is in place.
How quickly can a bridging loan complete?
It depends on the lender, valuation and legal work. Simple cases can move quickly; complex ones take longer. We cannot guarantee timescales.
How much can I borrow?
Typically up to 70–75% of the property value for bridging, subject to lender criteria. Figures are illustrative.
What is an exit strategy?
Your plan to repay the loan – usually a sale or refinance. Lenders focus closely on it, so it needs to be realistic.
Can I get a bridging loan on my own home?
No. We only arrange unregulated finance for business and investment purposes, not loans secured on a home you or your family live in.
Are you FCA regulated?
No. The lending we arrange is unregulated, for business and investment purposes. Lending of this kind is not covered by FCA protections that apply to regulated mortgages.
Do I need property experience?
Not always for bridging, but development and heavy refurbishment lenders usually want relevant experience or a strong professional team.
Can I borrow with adverse credit?
Some lenders consider it, depending on the circumstances. Tell us early and we will be upfront about options.
What fees will I pay?
Typically arrangement, valuation and legal fees, sometimes exit fees and a broker fee. All are explained before you commit.
Do you lend through limited companies?
We arrange finance for individuals, limited companies, SPVs, partnerships and trusts, subject to lender criteria.
Which areas do you cover?
England & Wales.
Is approval guaranteed?
No. All finance is subject to status, valuation and lender criteria.
What happens if I cannot repay?
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Speak to us early if your plans change.
Ready to discuss your deal?
Tell us what you are buying, refinancing or building, and we will tell you plainly what is achievable.
Call or WhatsApp +44 7754 997890 · Email Enquiries@ExpertBrokerUK.com
Important: ExpertBrokerUK is a broker, not a lender. We arrange unregulated finance for business and investment purposes. Your property may be repossessed if you do not keep up repayments on a loan secured on it. Any rates or figures shown are typical, illustrative ranges only; all finance is subject to status, valuation and lender criteria, and approval is not guaranteed.