Regulatory status and risk warnings
Your property or other security may be repossessed if you do not keep up repayments on your loan. Failure to make payments when due may result in additional interest, default interest, fees and enforcement action in accordance with the terms of the loan.
Regulatory status
Gulf Bridging Group Ltd is not currently authorised or regulated by the Financial Conduct Authority. Gulf Bridging does not currently offer regulated mortgage contracts. The lending products currently offered by Gulf Bridging are intended to fall outside the scope of FCA-regulated mortgage lending. Whether a particular transaction is regulated depends on the borrower, property, purpose of the borrowing and circumstances of the transaction.
Financial Ombudsman and FSCS
Where a product or activity is unregulated, customers should not assume that the protections available in relation to FCA-regulated financial services apply. In particular, access to the Financial Ombudsman Service or Financial Services Compensation Scheme may not be available in relation to an unregulated loan or activity. Any applicable rights will depend upon the particular circumstances and regulatory status of the relevant product or service.
Products Gulf Bridging may provide
Gulf Bridging Group Ltd is not currently authorised or regulated by the Financial Conduct Authority (“FCA”). Accordingly, Gulf Bridging currently intends to provide lending products and undertake activities that fall outside the scope of activities requiring FCA authorisation.
Gulf Bridging will not enter into a regulated mortgage contract or undertake another regulated activity for which FCA authorisation or permission is required unless and until the appropriate regulatory permissions are held.
Subject to individual assessment and confirmation that the transaction falls outside the applicable regulated perimeter, Gulf Bridging may provide:
- unregulated bridging finance;
- commercial bridging finance;
- commercial property finance;
- investment property bridging;
- business-purpose property finance;
- development and refurbishment finance;
- auction finance;
- bridging finance to limited companies and SPVs;
- property investment finance to corporate borrowers;
- qualifying buy-to-let investment finance;
- first-charge unregulated property finance; and
- second-charge business lending where the transaction satisfies the relevant regulatory exemptions or exclusions.
Every transaction remains subject to Gulf Bridging's lending criteria, underwriting, valuation, legal due diligence and regulatory-perimeter assessment.
Activities Gulf Bridging does not currently undertake
Unless and until Gulf Bridging holds the appropriate FCA permissions, Gulf Bridging will not itself undertake activities requiring FCA authorisation, including entering into regulated mortgage contracts as lender; administering regulated mortgage contracts where authorisation is required; arranging or advising on regulated mortgage contracts where authorisation is required; regulated consumer credit lending where authorisation is required; or other regulated financial services activities requiring permissions that Gulf Bridging does not hold.
Residential property
The fact that a loan is described as a “bridging loan” does not automatically make it unregulated. A transaction involving an individual or trustee and residential property may constitute a regulated mortgage contract depending on the circumstances. Any application involving an individual borrower, residential occupation, mixed-use security or other circumstances potentially falling within the regulated perimeter must therefore be assessed before Gulf Bridging proceeds.
Limited companies and SPVs
A loan made to a company, including a property investment SPV, and secured over company property will not ordinarily constitute a regulated mortgage contract merely because the underlying property is residential. Each transaction must nevertheless be assessed individually to determine whether any other regulated activity or applicable legal requirement arises.
Commercial property
Loans secured on property used solely as commercial premises are not generally regulated mortgage contracts. Commercial property and business-purpose lending will nevertheless remain subject to applicable laws, anti-money laundering requirements, sanctions controls, data protection requirements and Gulf Bridging's internal lending policies.
Buy-to-let
Buy-to-let finance can have different regulatory treatment depending on the circumstances. Business buy-to-let lending will generally fall outside the regulated mortgage regime, while certain consumer buy-to-let arrangements are subject to a separate regulatory framework. Gulf Bridging will therefore determine the regulatory classification of any proposed buy-to-let transaction before proceeding.
Where a transaction falls within a regulated activity for which Gulf Bridging does not hold the necessary permission, Gulf Bridging will not undertake that regulated activity.
No guaranteed lending
All lending is subject to status, underwriting, valuation, satisfactory security, legal due diligence and Gulf Bridging's lending criteria.
Submitting an application, receiving indicative terms or receiving a Decision in Principle does not constitute a binding offer or guarantee that finance will be provided. Gulf Bridging reserves the right to amend or withdraw indicative terms prior to entering into a binding agreement, subject to applicable law.
Rates and fees
Any interest rates, loan-to-value ratios, arrangement fees, loan amounts, completion times or other figures displayed on the website are indicative unless expressly stated otherwise. The actual rate, fees and terms offered will depend upon the circumstances of the application, property, security, borrower and Gulf Bridging's underwriting assessment. Additional costs may apply, including valuation fees, legal fees and other transaction costs.
Bridging finance
Bridging finance is intended as short-term finance. Borrowers should have a credible and realistic repayment or exit strategy before entering into a bridging loan. Failure to repay a bridging loan by the contractual repayment date may result in additional interest, default charges and enforcement action.
Property valuations
Any valuation commissioned by Gulf Bridging is obtained primarily for lending and security purposes. Unless expressly agreed otherwise, it should not be treated as a structural survey or relied upon by the borrower as an assessment of the property's condition. Borrowers should obtain their own independent professional advice where appropriate.
Not professional advice
Information contained on the Gulf Bridging website is provided for general information purposes and does not constitute financial, legal, tax, investment or other professional advice. Borrowers should obtain independent professional advice where appropriate before entering into a finance transaction.
Website information
Product information displayed on the website may change from time to time. Nothing on the website constitutes a binding commitment to lend unless expressly confirmed in formal documentation issued by Gulf Bridging.
Applications
Submitting an application does not constitute an offer or guarantee of finance. All applications are subject to Gulf Bridging's underwriting, valuation, legal due diligence, regulatory assessment, satisfactory security and final approval.
Applicants and brokers must ensure that information provided to Gulf Bridging is complete and accurate.
Company details
Gulf Bridging Group LtdTrading as Gulf Bridging
Company Number: 17361372
ICO Registration Number: ZC261003
Registered Office: 6–9 The Square, Heathrow, Hayes, Uxbridge, UB11 1FW
Email: info@gulfbridging.com
Website compliance version · 30 September 2026