Regulated bridging loans are overseen by the Financial Conduct Authority (FCA) and are typically geared towards residential uses. They come with specific rules and protections but can be less flexible due to these regulations.
Unregulated bridging loans, on the other hand, are more flexible and are often used for commercial or buy-to-let properties. These loans don’t come with the consumer protections that regulated loans offer, allowing for terms to be customised to fit your business needs.