Terms of Service
1. Introduction & Legal Framework
Welcome to Bridge Loan Direct (
bridgeloandirect.co.uk). Bridge Loan Direct is a digital trading style of Lending Choice Limited (“we”, “our”, “us”). Lending Choice Limited is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 1010891).These Terms of Service (“Terms”) govern your access to and use of our website, automated comparison tools, calculation scripts, and credit brokerage services (“Services”). By accessing or using our Services, you agree to be bound completely by these Terms. If you do not agree with any part of these operational terms, you must cease using our website immediately.
2. Regulatory Status & Brokerage Services Provided
Lending Choice Limited operates as a fully independent specialist credit broker, not a direct lender. We do not provide short-term bridge loan financing or development capital directly from our own balance sheets.
Our Services consist of introducing users to a trusted panel of over 300 third-party institutional and niche bridging lenders. We arrange, structure, and provide advisory assistance for:
- Regulated and Unregulated Residential Bridge Loans
- Commercial Property Bridging Loans
- Auction Finance and Time-Sensitive Capital Facilities
- Chain-Break Solutions and Property Development Finance
3. Eligibility & Client Declarations
By using our automated tools or submitting an enquiry form, you explicitly confirm that:
- You are at least 18 years of age.
- You possess the legal capacity to enter into binding financial contracts within the United Kingdom.
- All information you provide regarding property equity, outstanding mortgages, loan requirements, and personal background is 100% accurate, complete, and verifiable.
4. Brokerage Application Process & Introductions
To request a bridging loan quotation, you must complete our online application forms or call our advisory team (including Raja Raval, Ash, Jamie, or Sam).
- No Guarantee of Approval: The submission of an enquiry form or a successful baseline value output on our bridging loan calculator does not constitute an offer of finance, nor does it guarantee lender approval.
- Underwriting Frameworks: All loan originations are subject to formal underwriting, physical property valuations, strict credit searches, and asset verification checks executed by our destination panel lenders.
5. Loan Agreements, Interest Rates & Fees
If a bridging facility is successfully arranged and approved by a panel lender, the formal contract will be issued directly by that specific lending institution—not by Bridge Loan Direct or Lending Choice Limited.
- Lender Terms: That external loan agreement will explicitly detail the principal capital amount, monthly or retained interest rates, repayment dates, exit facility requirements, and any applicable facility arrangement fees.
- Brokerage Fees: Any broker fee charged by Lending Choice Limited for arranging the transaction will be clearly disclosed to you in writing via an FCA-compliant European Standardised Information Sheet (ESIS) or Terms of Business document prior to your commitment.
6. Financial Risk Warning & Repayment Liabilities
PROPERTY RISK WARNING: Your property may be repossessed if you do not keep up repayments on a mortgage, bridging loan, or any other debt secured against it.
You are entirely responsible for executing your documented exit strategy (such as refinancing or selling the asset) to repay the loan amount, accumulated interest, and facility charges in strict accordance with the third-party lender’s contractual timeline.
7. Privacy & Data Integrity
Your use of our digital brokerage platform is also governed by our Privacy Policy, which outlines how Lending Choice Limited collects, processes, secures, and retains your financial data. By using our site, you consent to our data collection frameworks required to execute lender matching.
8. Intellectual Property & Site Calculators
All original content, graphics, custom coding, text, layout structures, and real-time JavaScript calculator scripts hosted across
bridgeloandirect.co.uk are the exclusive property of the developer and Lending Choice Limited. You may not reproduce, reverse-engineer, or scrape our internal calculation tools or content blocks without our prior express written consent.9. Limitation of Liability
While we make every effort to ensure that our interest rate indicators and calculation models are up-to-date, all calculations outputted on page-load are baseline defaults for estimation purposes only.
To the fullest extent permitted by UK law, Lending Choice Limited shall not be liable for any financial losses, investment failures, or transaction delays arising out of or in connection with your use of our site tools, or any delays encountered during a lender’s independent underwriting process.
10. Governing Law & Jurisdiction
These Terms are governed by, interpreted, and construed in accordance with the laws of England and Wales. Any operational disputes or legal claims arising out of our brokerage services shall be subject exclusively to the jurisdiction of the courts of England and Wales.
11. Regulatory Contact & Corporate Enquiries
If you have any questions, regulatory queries, or corporate compliance concerns regarding these Terms, please contact us at:
- Operating Address: Lending Choice Limited, 111A Links House, Main Road, Romford, RM2 5EL
- Corporate Email: hello@bridgeloandirect.co.uk
- Compliance Advisory Line: 03301 331604