Terms of Service
Last updated: January 2025
Agreement to Terms
By accessing and using the Bridging Loan Online website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
About Our Services
Bridging Loan Online is a bridging finance comparison service. We introduce clients to lenders from a wide panel of UK bridging lenders, including specialist lenders and private funds. There is no broker fee.
Important: We are a comparison service. We do not provide lending ourselves. All loans are subject to lender approval and the lender's own terms.
Use of Our Website
Permitted Use
You may use our website for the following purposes:
- Requesting bridging loan quotes
- Researching bridging finance options
- Contacting our adviser for information
- Reading our guides and educational content
- Subscribing to our newsletter
Prohibited Use
You must not:
- Use the website for any unlawful purpose
- Attempt to gain unauthorised access to our systems
- Transmit viruses, malware, or other harmful code
- Use automated systems or software to extract data (scraping)
- Impersonate another person or entity
- Interfere with the proper working of the website
- Submit false or misleading information
Application Process
Quote Requests
When you submit a quote request through our website:
- You authorise us to share your information with lenders on our panel
- You confirm that all information provided is accurate and truthful
- You understand that quotes are indicative and subject to full assessment
- You agree that lenders may contact you directly regarding your application
No Guarantee of Approval
Submitting an enquiry through our service does not guarantee:
- That you will receive a loan offer
- Any particular interest rate or terms
- Approval from any particular lender
- A particular timeframe for a decision
All lending decisions are made by individual lenders based on their own criteria and risk assessment.
Fees and Charges
There is no broker fee. Our comparison service and initial conversation are provided at no charge to you. We are usually paid by the lender if a loan completes.
Lender and third-party costs are separate and are disclosed before you proceed. They may include:
- Lender arrangement fees
- Valuation fees
- Legal fees
- Other third-party costs
Accuracy of Information
While we strive to ensure that information on our website is accurate and up to date:
- Interest rates and lender criteria can change without notice
- Information provided is for general guidance only
- We cannot guarantee the accuracy of third-party content
- Specific advice should be sought from qualified professionals
We recommend checking key figures with the lender before you make a financial decision.
Intellectual Property
Unless otherwise stated, we own or have the right to use the intellectual property in our website content, including:
- Website design and layout
- Text, graphics, and images
- Logos and trademarks
- Software and code
- Guides and articles
You may view and download content for personal, non-commercial use only. You must not reproduce, modify, or distribute our content without prior written permission.
Third-Party Lenders
We work with independent lenders. When you proceed with a lender:
- You enter into a separate agreement with that lender
- The lender's terms and conditions will apply
- We are not responsible for the lender's decision or actions
- Disputes about the loan should be raised with the lender
Limitation of Liability
To the fullest extent permitted by law:
- We provide our website and services on an "as is" basis
- We make no warranties about the uninterrupted availability of our website
- We are not liable for any indirect, consequential, or special damages
- Our total liability shall not exceed the fees paid to us, if any
Nothing in these terms excludes our liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.
Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:
- Your use of our website or services
- Your breach of these Terms of Service
- Your violation of any laws or regulations
- Information you submit through our website
Data Protection
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data.
We handle personal data in line with UK GDPR and the Data Protection Act 2018. You can complain to the Information Commissioner's Office if you believe your data has been mishandled.
Regulated and unregulated bridging
Some bridging loans secured on a home can be regulated activities, and commercial bridging is often outside that regime. Whether a particular loan is regulated depends on the borrower, the security and the purpose. This website does not publish a regulatory status, a firm reference number, or the legal entity that operates the service, because those details have not been supplied for publication.
Complaints
If you have a complaint about our service, please contact us:
Email: complaints@bridgingloanonline.co.uk
Address: 7 Bell Yard, London, WC2A 2JR
Phone: 07973 197535
Write to the email address above and we will respond. This page does not say that a complaint can be taken to the Financial Ombudsman Service or to any other scheme. That depends on a regulatory position this website does not state.
Termination
We reserve the right to:
- Terminate or suspend access to our website
- Refuse an enquiry that we cannot help with
- Remove or edit content
- Change or withdraw a page or tool
Changes to Terms
We may revise these Terms of Service at any time. Changes become effective when posted on this page. Your continued use of the website after changes constitutes acceptance of the revised terms.
We recommend reviewing these terms periodically to stay informed of any updates.
Governing Law
These Terms of Service are governed by the laws of England and Wales. Disputes arising from these terms are subject to the exclusive jurisdiction of the courts of England and Wales.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions continue in full force. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms of Service, together with our Privacy Policy, are the agreement between you and Bridging Loan Online about use of this website.
Contact Information
For questions about these Terms of Service, please contact us:
Bridging Loan Online
7 Bell Yard, London, WC2A 2JR
Email: Leads@bridgingloanonline.co.uk
Phone: 07973 197535
Please read this carefully: Bridging loans are a specialist form of secured finance. Consider independent legal and financial advice before you proceed. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
No broker fee.