Website & Regulatory Disclaimer

This website is operated by Charterhouse Bridging Limited, registered in England and Wales under company number 09463960, whose registered office is at Belfry House, Bell Lane, Hertford, Hertfordshire, SG14 1BP.

“Charter HCP Bridging” is a trading name of Charterhouse Bridging Limited. References to “Charter”, “we”, “us” and “our” mean Charterhouse Bridging Limited unless expressly stated otherwise.

Charterhouse Bridging Limited is not authorised or regulated by the Financial Conduct Authority.

We only provide, arrange or introduce business-purpose bridging, refurbishment and property development finance where the proposed activity and finance fall outside the scope of FCA regulation.

We do not offer, enter into, arrange, advise upon or administer:

• regulated residential mortgage contracts;
• loans secured upon a home occupied or intended to be occupied by the borrower or a related person where the transaction would constitute regulated mortgage business;
• regulated consumer credit agreements;
• consumer buy-to-let mortgage business;
• regulated mortgage advice; or
• any other regulated financial product or service for which FCA authorisation, registration or an applicable exemption would be required.

Describing a facility as being for a “business purpose” does not by itself determine its regulatory status. Regulatory status depends upon the borrower, the use and intended occupancy of the secured property, the purpose of the finance and the full circumstances of the transaction.

We may decline, suspend or terminate an enquiry at any stage if we consider that it is, may be, or may become regulated, or if its regulatory status cannot be established to our satisfaction.

You must not use the online application process where:

• the finance is wholly or predominantly for personal, family or household purposes;
• the secured property is or will become the borrower’s home;
• the borrower or a related person occupies or intends to occupy 40% or more of the secured land as or in connection with a dwelling;
• the transaction constitutes or may constitute consumer buy-to-let business;
• the applicant is seeking regulated mortgage or consumer-credit advice; or
• you are uncertain whether the proposed transaction is regulated.

If any of these circumstances apply, you should obtain independent advice from an appropriately FCA-authorised adviser. The regulatory eligibility questions on this website are preliminary screening questions only and do not constitute legal advice or a definitive regulatory determination.

Depending on the transaction, Charter may act as a provider, arranger, corporate finance adviser or introducer in relation to unregulated business finance.

Finance may be provided by Charter, an associated entity or an independent third-party funder. Where a third party provides the finance, that party will undertake its own assessment and will be solely responsible for its lending decision and finance documentation.

Charter may receive arrangement, advisory, administration, monitoring, success, introduction or other fees. We may also receive commission from a lender or other third party. Applicable fees and commissions will be disclosed in the relevant engagement letter, indicative terms or finance documentation where required.

Information on this website is provided for general information only. It does not take account of any person’s individual objectives, financial circumstances, tax position or legal position.

Nothing on this website constitutes:

• financial, mortgage, investment, legal, accounting or tax advice;
• a personal recommendation;
• an invitation or inducement to enter into a regulated financial product;
• formal credit approval;
• an offer capable of acceptance;
• a commitment to lend or arrange finance; or
• a representation or guarantee that finance will be available or completed.

Borrowers, guarantors, shareholders and other relevant parties should obtain their own independent legal, financial, tax and accounting advice before entering into any transaction.

Any rates, fees, loan amounts, loan-to-value ratios, loan-to-cost ratios, loan-to-gross-development-value ratios, terms, calculations, examples, eligibility results or product criteria shown on this website are indicative illustrations only.

Calculators and eligibility tools rely entirely upon the information entered by the user and do not constitute underwriting, valuation, advice, approval or an offer of finance.

Actual terms may differ materially following due diligence, valuation, legal review, credit assessment, changes in market conditions or consideration of the complete transaction.

Submission of an enquiry or application does not oblige Charter or any third-party funder to consider, approve, offer or provide finance.

All finance is subject to, among other things:

• satisfactory verification of identity, ownership and source of funds;
• anti-money-laundering, sanctions and fraud-prevention checks;
• satisfactory credit and background checks;
• verification of the borrower’s business purpose and regulatory status;
• independent valuation;
• satisfactory title and legal due diligence;
• confirmation of planning and development information where applicable;
• satisfactory evidence of borrower experience and financial standing;
• a credible and acceptable repayment or exit strategy;
• approval by the relevant credit decision-maker;
• availability of funding; and
• execution of satisfactory legal and finance documentation.

Charter and any relevant funder reserve the right to amend or withdraw indicative terms, decline an application or cease work on a transaction at any time before completion.

We take reasonable care when preparing website content but do not warrant that it is complete, accurate, current or suitable for any particular transaction.

Product criteria, rates, funding appetite and availability may be amended, withdrawn or replaced without notice. Users should obtain written confirmation of the current position before relying upon any information.

We do not guarantee that this website, its calculators, application forms, downloads or other functionality will always be available, uninterrupted, secure or free from errors.

This website may refer or link to third-party lenders, advisers, valuers, solicitors, monitoring surveyors, service providers or websites. Such parties are independent from Charter unless expressly stated otherwise.

Charter is not responsible for the content, availability, advice, actions, omissions or regulatory status of any third party. Users should verify any third party’s identity, status and permissions independently, including by checking the FCA Financial Services Register where relevant.

You should not assume that the Financial Ombudsman Service or Financial Services Compensation Scheme applies to the services described on this website. These protections generally do not apply to unregulated business finance or to unregulated services supplied by a firm that is not FCA authorised.

Where an independent authorised third party provides a regulated service, the protections available will depend upon that party’s regulatory status, permissions, the product concerned and the particular circumstances. You should confirm this directly with the relevant authorised firm.

To the fullest extent permitted by law, Charter accepts no responsibility for loss arising solely from reliance upon general website information, an indicative calculation, eligibility result, estimated timeframe or unpublished assumption.

Nothing in this disclaimer excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.

This website, its use and this disclaimer are governed by the laws of England and Wales. The courts of England and Wales shall have jurisdiction, subject to any mandatory rights that apply by law.