Information on regulated bridging loan sales

Reference Case Number: FOI2026/01237

Freedom of Information: Right to know request:

1. Value and volume of Regulated bridging loan sales by quarter for Q1 2026

2. The value and volume of Second Charge regulated bridge loans by quarter for Q1 2026 - It should be identified by “Mortgage type Second Charge” – SC; and “Mortgage type Bridge” – BL

3. The value and volume of 1st Charge Regulated bridging loan sales by loan value band for Q1 2026

4. The value and volume of 2nd Charge Regulated bridging loan sales by loan value band for Q1 2026

5. The value and volume of Regulated bridging loan sales by property value band for Q1 2026

6. The value and volume of Regulated Bridging loans by region for Q1 2026

~ Source: FCA Product Sales Data (PSD001)

Please group loan values by:
* £0 - £50,000
* £50,001 - £120,000
* £120,001 - £250,000
* £250,001 - £500,000
* £500,000 - <£750,000
* £750,000 - <£1m
* £1m - <£1.25m
* £1.25m - <£1.5m
* >=£1.5m

FCA response:

Question 1

Table 1 - Value and volume of Regulated bridging loan sales for Q1 2026

Loan Value Band	Loan Value	Number Of Sales
£0 - £50,000	£157,750	5
£50,001 - £120,000	£22,272,360	274
£120,001 - <£250,000	£57,567,766	324
£250,000 - <£500,000	£106,204,334	304
£500,000 - <£750,000	£61,979,091	103
£750,000 - <£1,000,000	£43,773,349	51
£1,000,000 - <£1,250,000	£35,367,787	32
£1,250,000 - <£1,500,000	£32,647,210	24
£1,500,000+	£147,161,394	44
Grand Total	£507,131,041	1,161

Questions 2 and 4

Table 2 – The value and volume of 2^nd Charge Regulated bridging loan sales by loan value band for Q1 2026.

Loan Value Band	Loan Value	Number Of Sales
£0 - £50,000	£48,495	1
£50,001 - £120,000	£4,071,649	52
£120,001 - <£250,000	£3,216,959	20
£250,000 - <£500,000	£3,947,050	12
£500,000+	£1,664,996	3
Grand Total	£12,949,149	88

Question 3

Table 3 - The value and volume of 1st Charge Regulated bridging loan sales by loan value band for Q1 2026

Loan Value Band	Loan Value	Number Of Sales
£0 - £50,000	£109,255	4
£50,001 - £120,000	£18,200,711	222
£120,001 - <£250,000	£54,350,807	304
£250,000 - <£500,000	£102,257,284	292
£500,000 - <£750,000	£60,314,095	100
£750,000 - <£1,000,000	£43,773,349	51
£1,000,000 - <£1,250,000	£35,367,787	32
£1,250,000 - <£1,500,000	£32,647,210	24
£1,500,000+	£147,161,394	44
Grand Total	£494,181,892	1,073

Question 5

Table 4 - The value and volume of Regulated bridging loan sales by property value band for Q1 2026

Property Value Band	Loan Value	Number Of Sales
£0 - £120,000*	£690,656	9
£120,001 - £250,000	£14,017,186	124
£250,001 - £500,000	£59,546,871	340
£500,001 - £750,000	£66,932,930	239
£750,001 - £1,000,000	£55,895,066	138
£1,000,001 +	£308,142,481	304
Unspecified	£1,905,851	7
Grand Total	£507,131,041	1,161

* Data for the £0-£60,000 and £60,001-£120,000 value bands have been aggregated as we are of the view that, due to the low number of sales within these data ranges, disclosing the unaggregated figures could indirectly reveal personal information about the individuals concerned. This information is therefore exempt from disclosure under section 40 (personal data) of FOIA. For more information on why we are applying this exemption please see Annex A.

Question 6

Table 5 - The value and volume of Regulated Bridging loans by region for Q1 2026

Region	Loan Value	Number Of Sales
Central & Greater London	£168,845,790	195
East Midlands	£15,984,645	73
Eastern	£51,621,559	140
North East	£3,416,707	17
North West	£24,902,471	100
Scotland	£12,816,455	50
South East	£76,494,648	171
South West	£71,232,631	197
Wales	£15,761,171	54
West Midlands	£37,128,543	90
Yorkshire and The Humber	£21,781,890	69
Unknown Region	£7,144,531	5
Grand Total	£507,131,041	1,161

Annex A

Section 40 (Personal Information)

Under section 40(2)(b) of FOIA, information that contains personal data of third-party individuals is exempt from disclosure if any one of three specified conditions is satisfied.

In this instance, we have applied this exemption because the first condition (as stated in section 40(3A) of FOIA) is satisfied. Some of the information you have requested comprises the personal data of individuals other than yourself, whose disclosure would breach one of the data protection principles.

In particular, we are of the view that disclosure would breach the first data protection Principle as set out in Article 5(1) of the UK GDPR that personal data must be processed lawfully, fairly and in a transparent manner, for the following reason/s:

The data subjects would not have had any reasonable expectation that this information would be disclosed into the public domain.
The release of this information is likely to have a detrimental or distressing effect on the data subjects.

Therefore, this information is exempt from disclosure under section 40(2) of FOIA.

This is an 'absolute' exemption, and so it is not necessary to balance the public interest for and against disclosing the information.

Date of Release: 30/06/2026

Information on regulated bridging loan sales – Q1 2026 - June 2026