Last updated: 3 August 2026. The regulatory treatment of bridging finance depends on the borrower, purpose, security and occupancy of the property. It must be assessed for each transaction.
Your property may be repossessed if you do not keep up repayments on a loan or other debt secured on it.
1. Regulatory status of an enquiry
Some bridging and property finance arrangements may be regulated by the Financial Conduct Authority, while others—particularly certain business-purpose or commercial transactions—may fall outside regulated mortgage rules. A website enquiry alone is not sufficient to determine the position.
Before any application proceeds, you should be told which legal entity is providing or arranging the service, whether the proposed activity is regulated, and the relevant regulatory status. Do not proceed if that information is unclear.
This page does not claim that every service described on the website is FCA-regulated or that Pinewood Bridging Solutions Ltd. holds a particular permission. Regulatory status should be confirmed in writing for the specific transaction and independently checked where appropriate.
2. General information, not personal advice
Website content is general information and is not a personal recommendation. Property finance can have significant legal, tax and financial consequences. Borrowers should obtain independent legal, tax, valuation and financial advice appropriate to their circumstances.
No statement on this website is an offer of credit. Any illustration is subject to underwriting, security, valuation, legal due diligence, satisfactory exit strategy and the terms of the relevant provider.
3. Key risks of short-term finance
- Bridging finance is normally short term and may carry higher interest, fees and default charges than longer-term borrowing.
- Interest may be paid monthly, retained or rolled up, increasing the balance owed.
- Valuation, legal, arrangement, broker, exit and administration fees may apply.
- Failure to repay by the agreed date can lead to additional charges, enforcement action and loss of secured property.
- Refinancing or sale proceeds may be delayed or unavailable, so a credible alternative exit plan is important.
- Property values and market conditions can change, and projected development or sale outcomes are not guaranteed.
4. Credit decisions and third parties
Funding decisions are made by the relevant lender and are not guaranteed by submitting an enquiry. Lenders and service providers may conduct identity, fraud, credit, affordability, business-purpose, sanctions and source-of-funds checks where applicable.
If an enquiry is introduced to a third party, that party’s own terms, privacy notice, fees and regulatory disclosures will apply. Any commission or fee that must be disclosed will be explained at the appropriate stage.
5. Complaints and redress
Concerns about this website or an initial enquiry can be sent to amiay90@gmail.com. We will identify the entity responsible for reviewing the matter.
If the activity is regulated, the responsible regulated firm should provide its complaints procedure and explain whether the Financial Ombudsman Service may be available. Financial Services Compensation Scheme protection does not automatically apply to bridging finance and should not be assumed unless expressly confirmed.
6. Independent verification
Before entering into a transaction, verify the identity and regulatory status of every firm involved using official records, read all facility and security documents carefully, and obtain independent professional advice. Never send funds solely in reliance on instructions received by email without independently confirming the recipient and bank details.