A bridging loan can sometimes help you buy a new property before selling your current one. The risk is that you are borrowing against a future sale, so the price, timing, legal position and fallback plan need to be credible.
This information is for general guidance only and does not constitute mortgage or finance advice. Your options depend on your circumstances and lender criteria. Bridging finance is secured borrowing, so your property or other security may be at risk if you do not keep to the terms of the loan. No approval, rate, timescale or product availability is guaranteed; regulated/unregulated status depends on the facts of the case.
TL;DR
- Buying before selling with a bridge can work where equity, sale prospects and timing are strong.
- The exit is usually sale of the current property, so valuation and marketability matter.
- Costs can escalate if the sale takes longer than planned or the expected price is not achieved.
- It may be unsuitable if the current property is not realistically saleable or the bridge is being used to solve long-term affordability.
Quick answer
A bridging loan to buy before selling is short-term secured borrowing used to complete a new purchase before the sale proceeds from your existing property are available. It is usually repaid when the existing property sells.
Lenders will usually look at the value and marketability of the property being sold, the equity position, the purchase details, legal readiness, credit profile, and whether the sale exit is realistic within the proposed loan term.
If the chain has already broken, see bridging loan for property chain break. If you are unsure whether the sale evidence is strong enough, use the finance enquiry form.
How to judge whether this is lender-ready
Most bridging searches answer the surface question. The decision that matters is whether the case is lender-ready enough to justify time, valuation/legal costs and potential broker fees.
Use this page to check five things before you chase terms:
| Check | Senior-editor view |
|---|---|
| Security | Is the property or land acceptable security, with no obvious title or valuation issue? |
| Purpose | Is the short-term borrowing need specific, legitimate and time-bound? |
| Pressure | Is there a real deadline, and can valuation, legal work and lender review fit it? |
| Proof | Are the documents ready enough for a lender to verify the story? |
| Payback | Is the exit strategy evidenced rather than hoped for? |
If one of those rows is weak, the next step is usually not a lower headline rate. It is to fix the evidence, adjust the structure, or decide whether a different finance route is safer.
Who this is for / not for
A bridging loan to buy before selling is usually considered when timing is the problem. You may have equity tied up in an existing property but need funds before that sale completes.
It may be relevant if:
- you have found a property to buy but your current sale has not completed;
- you are buying at auction and need to complete within the contract deadline;
- you are purchasing an investment property and intend to sell or refinance another asset;
- you are downsizing but the sale proceeds are not available yet;
- you are buying a property that needs works before it can be refinanced;
- you are trying to prevent a chain collapse;
- you have a credible repayment plan but need short-term funding.
It may not be right if:
- you do not have a clear repayment plan;
- the existing property is not realistically saleable at the expected price;
- you would struggle if the sale took longer than planned;
- the costs would remove too much of your equity;
- you are using bridging because a mainstream mortgage has declined and the underlying issue has not been solved;
- the property, legal title or planning position is too uncertain;
- you cannot provide the documents a lender needs.
Decision table: best option by reader scenario
| Scenario | Bridging may fit? | Why | First step |
|---|---|---|---|
| Your current home is under offer and you need to complete on the next purchase before sale completion | Possibly | The exit may be sale proceeds, but the lender will want evidence of the sale position | Prepare memorandum of sale, estate agent details, mortgage statement and purchase details |
| Your property is on the market but no offer has been accepted | Maybe | The exit is less certain, so lender appetite may be more cautious | Get realistic valuation evidence and selling strategy before applying |
| You are buying an investment property before selling another investment asset | Possibly | This may be assessed as a business/investment case, depending on facts | Prepare rental, sale, mortgage and ownership evidence |
| You are buying before selling because you “hope” your property will sell quickly | Higher risk | Hope is not an exit strategy | Reassess sale price, timescale and fall-back options |
| You need funds because a purchase deadline is approaching and legal work is incomplete | Case-specific | Speed depends on valuation, legal title, solicitor capacity and lender process | Speak to us quickly and send the legal/property pack |
| You cannot afford the bridge if the exit is delayed | Usually unsuitable | Short-term borrowing can become expensive and risky if not repaid on time | Consider delaying the purchase or changing the route |
James Blackler, our mortgage broker, recommends treating the exit route as the starting point, not the final detail. In practice, a case that looks attractive on property value can still fail if the repayment route is weak or undocumented.
Broker vs direct lender vs comparison site
You can approach bridging finance in different ways. The right route depends on how complex the case is, how quickly you need to move, and whether you already understand the lender criteria.
A direct lender may work if the case is simple and you know their criteria fit. A comparison site may help you understand broad market language, but it will not usually solve the detail of legal title, exit risk, valuation assumptions, regulated status or lender appetite. A broker-led route is often more useful where the situation is urgent, unusual, or document-heavy.
Broker vs direct lender vs comparison-site decision table
| Route | May suit | Limitations | Best used when |
|---|---|---|---|
| Broker-led review | Complex, urgent, regulated or semi-complex cases | You may pay a broker fee, depending on the service and case | You need help matching the case to lender criteria before applying |
| Direct lender | Straightforward case that clearly fits one lender | You only see that lender’s appetite and process | You already know the lender’s criteria and your case is clean |
| Comparison site | Early research | Headline information may not reflect your property, exit or legal issues | You are learning basic terminology, not ready to apply |
| Existing bank or mortgage lender | Relationship-led enquiry | Not all mainstream lenders offer the right short-term facility | You want to check whether a simple mainstream option exists |
| Do nothing / delay purchase | When bridging risk is too high | You may lose the property | The cost or exit risk is not acceptable |
The FCA’s mortgage conduct rules sit within the MCOB sourcebook, and the regulated position can matter where the borrowing is secured against residential property. The FCA’s PERG 4 guidance explains the perimeter for regulated mortgage activity, including how borrower, security, land use and business-purpose context can affect whether an arrangement is regulated.
If you are unsure which route fits, start with our services page or send us the basic facts through finance enquiry form. For urgent or complex bridging cases, make an enquiry with the documents you already have.
What lenders usually assess
Bridging lenders do not all assess cases in the same way, but they usually want to understand the borrower, the security, the transaction and the exit.
Common assessment areas include:
- purchase price;
- estimated property value;
- existing mortgage balance;
- available deposit or equity;
- current ownership structure;
- credit history;
- income and assets where relevant;
- experience as an investor or developer, if applicable;
- whether the loan is for residential, buy-to-let, semi-commercial, commercial or land;
- condition and marketability of the property;
- legal title;
- planning status where relevant;
- proposed exit route;
- timescale and urgency;
- whether the case is regulated.
MoneyHelper notes that mortgage applications involve lender checks and supporting information, with requirements depending on circumstances and lender assessment in its guidance on how to apply for a mortgage. Bridging is not the same as a standard residential mortgage, but the same principle applies: lenders need evidence, not just an explanation.
Green / amber / red case-readiness scorecard
Use this before you speak to us or any lender.
| Area | Green | Amber | Red |
|---|---|---|---|
| Exit route | Property sale agreed, refinance route plausible, or clear repayment source | Property listed but no offer, refinance likely but not confirmed | No clear repayment route |
| Security | Standard property, clear title, good marketability | Light works, lease/title points, valuation uncertainty | Major title problem, serious condition issue, or uncertain ownership |
| Documents | Mortgage statements, sale evidence, ID, bank statements and purchase details ready | Some documents missing but obtainable | Key evidence unavailable |
| Urgency | Deadline allows valuation and legal review | Deadline is tight but still possible to assess | Deadline is unrealistic for legal/valuation work |
| Borrower profile | Credit and ownership position explainable | Some historic issues or complex structure | Undisclosed credit issues or unclear source of funds |
| Costs | Total cost considered, fall-back plan exists | Costs understood broadly but not stress-tested | Decision based only on headline rate |
| Regulation | Occupancy and purpose clearly explained | Mixed personal/investment purpose | Assumed unregulated without checking |
A green score does not mean approval is guaranteed. It means the case is better prepared for review. A red score does not always mean impossible, but it usually means you need advice before approaching lenders.
Exit strategy
The exit strategy is how the bridging loan will be repaid. For a bridging loan to buy before selling, this is often the sale of your existing property, but it may also be refinance, sale of the new property after works, sale of another asset, or repayment from another confirmed source.
Common exit routes include:
- sale of your existing home;
- sale of an investment property;
- refinance onto a residential mortgage;
- refinance onto a buy-to-let mortgage;
- refinance onto commercial or semi-commercial finance;
- sale after renovation or development;
- repayment from another property transaction.
Exit-strategy strength matrix
| Exit route | Stronger where | Weaker where | Evidence to prepare |
|---|---|---|---|
| Sale of existing property | Sale agreed, buyer funded, solicitor instructed | Property not listed or price untested | Memorandum of sale, estate agent details, mortgage statement |
| Refinance onto residential mortgage | Affordability, credit and property type support the refinance | Income, credit or property condition is uncertain | Income evidence, credit position, mortgage statement, property details |
| Refinance onto buy-to-let | Rental and property type appear to support the future mortgage | Rental demand or property condition is uncertain | Rental assessment, tenancy evidence if applicable, property details |
| Sale after works | Works are modest, budgeted and realistic | Planning, cost or timescale is uncertain | Schedule of works, contractor estimates, planning evidence where relevant |
| Sale of another asset | Asset is marketable and ownership is clear | Value or sale timing is uncertain | Ownership evidence, valuation/sale evidence |
| Cash or other repayment source | Funds are documented and accessible | Source of funds is unclear | Bank statements and source-of-funds evidence |
The lender will usually consider what happens if the preferred exit is delayed. For example, if your sale falls through, can you reduce the price, refinance, inject cash, or sell another asset? A bridge is short-term funding, so a weak exit can make the whole case unsuitable even where the loan-to-value appears comfortable.
Security/property suitability
Bridging finance is secured borrowing. The property offered as security matters because the lender needs confidence that the asset can support the loan and be sold or refinanced if required.
The security may be:
- the property you are buying;
- the property you are selling;
- both properties;
- another property you own;
- a combination of assets.
Lenders may look closely at:
- property type;
- location;
- condition;
- tenure;
- lease length where leasehold;
- title restrictions;
- occupancy;
- planning status;
- whether the property is habitable;
- whether works are required;
- whether the property is readily marketable.
Where building works, conversion, change of use or development are involved, planning can become important. GOV.UK explains that planning permission may be needed for certain building work or changes of use in England and Wales. Do not assume a lender will ignore planning just because you intend to repay the loan quickly.
Valuation is also central. RICS publishes professional standards and guidance for valuation and surveying practice. A lender will normally rely on its own valuation process rather than your estimate, estate agent opinion or purchase price alone.
Security risk/trade-off matrix
| Issue | Why it matters | How to reduce the risk |
|---|---|---|
| Property needs significant works | May affect marketability, valuation and refinance options | Provide schedule of works, budget and planning position |
| Title issue | Can delay or prevent completion | Ask the solicitor to identify title concerns early |
| Leasehold complexity | Lease length, ground rent or restrictions may affect lender appetite | Provide lease details and management pack where available |
| Occupancy issue | Tenants, family occupancy or vacant possession can affect security and regulation | Explain who occupies each property and on what basis |
| Planning uncertainty | Future use or value may depend on planning | Provide existing consents or confirm the planning route |
| Valuation gap | Lender valuation may be below expected value | Stress-test the numbers against a lower valuation |
Speed, valuation, solicitor and legal bottlenecks
Bridging is often described as fast finance, but speed depends on the weakest part of the transaction. The lender still needs enough information to make a decision, value the security and complete legal work.
Potential bottlenecks include:
- valuation access;
- surveyor availability;
- legal title review;
- solicitor capacity;
- source-of-funds checks;
- proof of identity and ownership;
- redemption statements;
- planning documents;
- leasehold documents;
- borrower structure, especially companies, trusts or overseas ownership;
- unclear exit evidence.
Urgency and timeline bottleneck table
| Bottleneck | What can slow the case | What to prepare now |
|---|---|---|
| Valuation | Access problems, unusual property, incomplete information | Full address, access contact, property details, works schedule |
| Legal title | Restrictions, charges, lease defects, missing documents | Title documents, solicitor details, lease information |
| Existing mortgage | Redemption figure needed | Latest mortgage statement and lender details |
| Sale evidence | Buyer position unclear | Estate agent details, memorandum of sale, offer evidence |
| Source of funds | Deposit origin not documented | Bank statements and explanation of funds |
| Planning | Works or use depend on consent | Planning documents, drawings, decision notices where available |
| Occupancy | Who lives in or uses the property is unclear | Occupancy statement for each property |
| Regulation | Purpose and security not clearly explained | Explain personal, family, business and investment use |
If your deadline is close, do not waste time making several speculative applications. Multiple poorly prepared approaches can create confusion and delay. A focused broker review can help identify what needs to be resolved before the case is placed.
Costs and fees to understand
Do not judge a bridging loan to buy before selling by headline interest alone. The total cost can include several moving parts, and the cheapest-looking route may not be the most suitable if the lender cannot meet the timing, property or exit requirements.
Costs and fees may include:
- arrangement fee;
- valuation fee;
- lender legal fees;
- your own solicitor’s fees;
- broker fee;
- interest;
- exit fee, if applicable;
- administration fees;
- telegraphic transfer fees;
- redemption-related charges;
- title insurance or specialist legal costs where needed.
We are not quoting rates or repayment examples here because pricing depends on the lender, property, borrower, loan amount, risk and market conditions. Any figures should be checked against a formal illustration or offer before you proceed.
Cost-components table
| Cost component | What it is | When to ask about it |
|---|---|---|
| Arrangement fee | Lender fee for setting up the facility | Before committing to the lender |
| Interest | Cost of borrowing during the term | Ask whether it is serviced, retained or rolled up |
| Valuation fee | Cost of lender’s valuation | Before valuation is instructed |
| Legal fees | Lender and borrower legal work | Before solicitors are instructed |
| Broker fee | Fee for advice/arranging, where applicable | Ask whether payable upfront, on offer, or on completion |
| Exit fee | Fee payable when the loan is repaid, if charged | Before accepting terms |
| Administration fees | Miscellaneous lender or transaction fees | Before completion |
| Default or extension costs | Costs if the loan is not repaid on time | Before proceeding, not when problems arise |
Key fee question: upfront or completion?
Ask this clearly:
- Is any broker fee payable before an application is submitted?
- Is any fee payable when terms are issued?
- Is any fee payable only on completion?
- What costs are non-refundable if the case does not proceed?
- Who pays the lender’s legal and valuation costs?
- What happens if the valuation is lower than expected?
- What happens if the legal work finds a title issue?
This is especially important in urgent cases. You need to know what money is at risk before valuation, legal work or lender commitment.
Documents and evidence checklist
A well-prepared first enquiry can save time. It also helps us tell you whether the case looks lender-ready, needs more evidence, or may be unsuitable.
First-enquiry pack checklist
| Document / information | Why it matters |
|---|---|
| Full address of property being bought | Allows initial security review |
| Purchase price | Needed to understand funding requirement |
| Expected value | Useful, but lender valuation will still matter |
| Current property address | Helps assess sale/security position |
| Current mortgage balance | Needed to estimate equity |
| Latest mortgage statement | Evidence of current borrowing |
| Estate agent valuation or listing | Helps assess sale route |
| Memorandum of sale, if agreed | Stronger evidence of exit |
| Details of buyer position | Helps assess sale certainty |
| Deposit amount and source | Needed for affordability/security/source-of-funds checks |
| Proof of ID and address | Standard due diligence requirement |
| Bank statements | Helps evidence funds and financial conduct |
| Credit background | Allows early discussion of potential lender issues |
| Solicitor details | Needed if the transaction is live |
| Auction pack, if applicable | Important for auction deadlines and legal title |
| Planning documents, if relevant | Needed where works/change of use are part of the plan |
| Schedule of works, if relevant | Helps assess condition and future exit |
| Intended exit route | Central to lender decision |
| Required completion date | Determines urgency and feasibility |
MoneyHelper’s guidance on getting a mortgage explains that lenders consider whether borrowing is affordable and require information as part of the application process. Bridging lenders may assess cases differently from standard mortgage lenders, but they still need a clear file.
Readiness checklist: what to prepare before taking action
Before you approach a lender or broker, write down:
- what you are buying;
- what you are selling;
- how much you need to borrow;
- what security is available;
- what the current mortgage balances are;
- how and when the bridge will be repaid;
- what could delay that exit;
- what documents you already have;
- what deadline you are working to;
- whether any property is or will be occupied by you or family.
If you can answer those points clearly, your first conversation will be more productive.
What can make the case harder
A bridging loan is not automatically difficult, but some issues need careful handling.
Common complications include:
- property not yet on the market;
- no accepted offer on the sale property;
- sale price based on optimism rather than evidence;
- purchase property requiring significant works;
- unclear planning position;
- low lease length or unusual lease terms;
- title restrictions or missing legal documents;
- adverse credit;
- complex income;
- borrower based overseas;
- company, trust or layered ownership;
- mixed residential and business use;
- family occupancy;
- unclear source of funds;
- unrealistic completion deadline;
- no fall-back plan if the sale falls through.
Risk/trade-off matrix: what can go wrong and how to reduce it
| Risk | What could happen | How to reduce it |
|---|---|---|
| Sale falls through | Bridge is not repaid as planned | Have a back-up exit or price-reduction plan |
| Valuation lower than expected | Borrowing available may reduce | Stress-test the case before paying fees |
| Legal issue appears late | Completion delayed or lender withdraws | Get solicitor review started early |
| Costs higher than expected | Equity reduces | Ask for all fees, including legal and exit costs |
| Refinance exit unavailable | Bridge cannot be repaid by remortgage | Check refinance criteria before relying on it |
| Planning issue blocks intended use | Value or exit may not work | Confirm planning status early |
| Regulated status misunderstood | Wrong process or lender route used | Explain occupancy and purpose fully |
| Deadline unrealistic | Transaction fails after costs incurred | Check valuation and legal feasibility first |
The most dangerous cases are often the ones that seem simple until the paperwork arrives. If the purchase is urgent, the instinct is to move quickly. That is understandable, but speed without evidence can be expensive.
When this may be unsuitable
Bridging is not a default solution. It is a specialist finance tool that should have a clear purpose, defined exit and acceptable risk.
When bridging may be unsuitable table
| Situation | Why it may be unsuitable | Alternative to consider |
|---|---|---|
| No clear exit route | Lender may not be satisfied and repayment risk is high | Delay purchase or sell first |
| Sale price is unrealistic | Exit may fail or take longer than expected | Reprice, obtain evidence, or reassess |
| You cannot absorb delays | Short-term borrowing can become stressful and costly | Avoid bridging unless risk is manageable |
| Property has serious legal issues | Completion or refinance may be blocked | Resolve legal title first |
| Works depend on uncertain planning | Exit value may not be achievable | Confirm planning before borrowing |
| You are relying on future refinance without checking criteria | Refinance may not be available | Review refinance route first |
| Costs consume too much equity | Net benefit may disappear | Compare with delaying or renegotiating |
| You do not understand the fees | You may commit before knowing total cost | Get full cost breakdown before proceeding |
If the bridge only works in the best-case scenario, it may not be robust enough. A good bridging case should still make sense if the sale takes longer, valuation is more conservative, or legal work throws up questions.
Questions to ask before proceeding
Before taking a bridging loan to buy before selling, ask practical questions. The answers should be clear enough that you can explain the case to a lender, solicitor and adviser without guessing.
Questions-to-ask-before-proceeding checklist
| Question | Why it matters |
|---|---|
| What is the exact purpose of the loan? | Prevents a vague or unsuitable application |
| What property is being used as security? | Determines valuation, legal work and risk |
| How will the loan be repaid? | Central to lender appetite |
| What evidence supports the exit? | Separates a plan from an assumption |
| What happens if the sale falls through? | Tests resilience |
| What is the total cost, not just the rate? | Helps compare options fairly |
| Are fees payable upfront, on offer or completion? | Shows what money is at risk |
| Is the case regulated or unregulated? | Affects lender route and process |
| What documents are still missing? | Identifies delay risk |
| Is the completion deadline realistic? | Avoids wasting money on an impossible timetable |
| Has the solicitor reviewed the title? | Legal issues can stop a case late |
| Could a mainstream mortgage, let-to-buy, further advance or delayed completion work instead? | Bridging is not always the best route |
Next-step checklist after reading
- Write down the purchase, sale and funding figures.
- Gather mortgage statements and property details.
- Confirm whether the current property is listed, under offer or not yet marketed.
- Collect sale evidence and estate agent contact details.
- Identify who occupies each property.
- Check whether planning, works or title issues are involved.
- Prepare your intended exit route and fall-back route.
- Ask what costs are payable before completion.
- Do not apply until the evidence supports the case.
- Make an enquiry if you want us to review the facts before you approach lenders.
How The Mortgage Blog reviews enquiries
When you send us a bridging enquiry, we look at whether the case is likely to be lender-ready, whether key evidence is missing, and whether another route may be more suitable.
A useful first enquiry includes:
- your name and contact details;
- property being bought;
- property being sold or refinanced;
- purchase price;
- expected value;
- mortgage balances;
- deposit/equity available;
- completion deadline;
- solicitor details, if instructed;
- current sale position;
- intended exit strategy;
- occupancy details;
- credit background;
- whether the property is standard, needs works, or has planning/title points.
We then consider:
- Purpose — why the bridge is needed.
- Security — what property supports the loan.
- Exit — how the loan will be repaid.
- Evidence — what documents support the facts.
- Regulatory position — whether the case may fall within regulated mortgage rules.
- Risks — what could stop the lender, valuer or solicitor.
- Next step — whether to proceed, gather evidence, consider another route, or pause.
Our mortgage broker, James Blackler, reviews enquiries from the perspective of lender fit rather than just headline borrowing. That means looking at where the case may fail before you spend money on valuation, legal work or unsuitable applications.
If the case looks sensible, we can discuss possible lender routes through our specialist lending and bridging finance work. If the case needs more evidence, we will tell you what is missing. If the risk looks too high, we will say so.
To start, send the key facts through our finance enquiry form. If you are not ready for a finance enquiry but want to contact us first, use our finance enquiry form.
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FAQ
Can I get a bridging loan to buy before selling my current property?
You may be able to, but it depends on the property, available equity, borrower profile, lender criteria, exit strategy, documents and regulatory position. The lender will want to see how the bridge will be repaid, usually through sale, refinance or another credible repayment source.
Is a bridging loan suitable if my current property is not yet under offer?
It can be harder. A property that is listed but not under offer may still be considered by some lenders, but the exit is less certain than a sale that has already been agreed. You should prepare estate agent evidence, pricing rationale and a fall-back plan.
What should I do before contacting a broker about a bridging loan to buy before selling?
Prepare the purchase details, current property details, mortgage balances, sale position, deposit evidence, deadline, solicitor details and intended exit route. The stronger your first pack, the easier it is to assess whether the case is lender-ready.
What is the most important part of a bridging loan application?
The exit strategy is usually the most important part. Lenders need to understand how the loan will be repaid and what happens if the sale, refinance or other exit is delayed.
Will I need a valuation?
Usually, yes. The lender will normally need to assess the property being used as security. A valuation may differ from your expected value, estate agent estimate or purchase price, so the numbers should be stress-tested.
Are bridging loan fees paid upfront or on completion?
It depends on the lender, broker, valuation and legal process. Some costs may be payable before completion, such as valuation or legal fees. Always ask which fees are upfront, which are payable on completion, and which are non-refundable.
Is a bridging loan regulated?
It depends on the facts. The FCA’s PERG guidance explains that regulated mortgage contract status depends on factors including borrower, security, land or dwelling use and business-purpose context. If the loan involves a home occupied by you or certain family members, the regulatory position needs careful checking.
What can delay a bridging loan?
Common delays include valuation access, legal title issues, leasehold documents, planning questions, source-of-funds checks, missing mortgage statements, unclear sale evidence and uncertainty about occupancy or regulation.
What if my sale falls through while the bridge is running?
That is a major risk. You may need to extend the loan, refinance, reduce the sale price, sell another asset, or use another repayment route. You should understand the cost and feasibility of those options before taking the bridge.
How do I ask The Mortgage Blog to review my case?
Send the key facts through our finance enquiry form, including the properties involved, purchase price, mortgage balances, sale position, deadline, documents available and intended exit route. We will review whether the case appears ready for a lender conversation or whether more evidence is needed first.
Source and authority posture
For this topic, owned-site content can explain the official The Mortgage Blog view, but search and AI systems also look for corroboration. Before this page is treated as live-ready, the claim set should be supported by visible source blocks, internal links to the relevant hub, and where possible external corroboration from adviser profiles, reputable mortgage/finance directories, partner pages, or specialist finance publications.
Do not use this page to claim The Mortgage Blog is the “best”, “leading”, “guaranteed”, or “most trusted” route unless that claim is independently evidenced and approved.
Sources checked
- FCA financial promotions guidance — Financial promotions and adverts
- FCA Handbook — MCOB mortgage conduct rules
- FCA Handbook — MCOB 3A.2 financial promotions and communications
- FCA Handbook — PERG 4 mortgage and regulated activity perimeter
- FCA Handbook — PERG 4.4 regulated mortgage contract guidance
- MoneyHelper — Getting a mortgage
- MoneyHelper — How to apply for a mortgage
- GOV.UK — Planning permission in England and Wales
- RICS — Standards and guidance
