Terms of Service

Please read these terms carefully before using our services. They contain important information about your rights and obligations.

Last updated: 11 April 2026

Important Notice

All bridging loans arranged by Auction Bridging Loans are unregulated commercial facilities secured against property. We do not arrange regulated consumer lending.

Intermediary status: Auction Bridging Loans acts as an intermediary, not a lender. We introduce borrowers to our panel of specialist bridging loan lenders. We do not make lending decisions or provide loans directly.

Property risk warning: Your property is at risk if you fail to keep up repayments on a loan secured against it. Bridging loans are short-term finance and must be repaid within the agreed term. Failure to repay may result in the lender taking possession of the secured property.

1. About These Terms

These terms of service (“Terms”) govern your use of the Auction Bridging Loans website at auctionbridgingloans.co.uk (“the Website”) and the services we provide (“the Services”). By using the Website or requesting our Services, you agree to be bound by these Terms.

Auction Bridging Loans is operated by Matt Lenzie. References to “we”, “us”, or “our” refer to Auction Bridging Loans.

2. Our Services

Auction Bridging Loans provides an intermediary service, connecting property auction buyers with specialist bridging loan lenders. Our services include:

  • Assessing your bridging loan requirements and matching you with appropriate lenders from our panel
  • Providing indicative bridging loan quotes based on the information you supply
  • Coordinating the bridging loan application process between you and the chosen lender
  • Providing general information and guidance about bridging finance and the auction process

We do not provide financial advice, legal advice, or tax advice. Any information on this Website is provided for general informational purposes only and should not be relied upon as a substitute for professional advice.

3. Intermediary Status

Auction Bridging Loans acts solely as an intermediary between borrowers and lenders. We are not a lender and do not make lending decisions. All lending decisions are made by the individual lender to whom your application is submitted.

We cannot guarantee that any lender will offer you a bridging loan, or that the terms of any offer will match an indicative quote provided by us. Indicative quotes are based on the information available at the time and are subject to formal lender assessment, property valuation, and legal due diligence.

4. Lending Status

All bridging loans arranged by Auction Bridging Loans are unregulated commercial facilities secured against property. We arrange finance for investment properties, buy-to-let purchases, commercial acquisitions, and other business purposes. We do not arrange regulated consumer lending.

Borrowers should be aware that:

  • The loan is not covered by the Financial Ombudsman Service
  • The loan is not covered by the Financial Services Compensation Scheme (FSCS)
  • You should seek independent legal advice before entering into any loan agreement

5. Property Risk Warning

Your property may be repossessed if you do not keep up repayments on a loan secured against it.

Bridging loans are short-term secured finance, typically with a term of 3 to 18 months. It is essential that you have a clear and realistic exit strategy (such as property sale, refinance, or development completion) before taking out a bridging loan.

If you are unable to repay the bridging loan within the agreed term, the lender may extend the loan (subject to additional fees), or may exercise their legal right to take possession of the secured property and sell it to recover the debt.

6. Your Obligations

When using our Services, you agree to:

  • Provide accurate, complete, and truthful information in all enquiries and applications
  • Notify us promptly of any changes to the information you have provided
  • Not use our Services for any unlawful purpose or in connection with money laundering or fraud
  • Seek independent legal advice before entering into any loan agreement
  • Pay any fees due to us as agreed (our fees, if applicable, will be clearly disclosed before you incur any liability)

7. Fees

Our service is free to enquire. If a bridging loan is successfully arranged, fees may be payable. Any fees will be clearly disclosed in writing before you are committed to proceed. Typical costs associated with a bridging loan include:

  • Arrangement fee: Typically 1-2% of the loan amount, charged by the lender
  • Monthly interest: Charged by the lender on the outstanding loan balance
  • Valuation fee: For the independent property valuation required by the lender
  • Legal fees: For the legal work carried out by solicitors on behalf of the lender and the borrower
  • Broker fee: If applicable, clearly disclosed before commitment

8. Website Content

The information on this Website is provided for general informational purposes only. While we make every effort to ensure accuracy, we do not guarantee that all content is complete, current, or error-free.

Property market data, statistics, and local information presented on this Website are sourced from publicly available data (including HM Land Registry) and are provided for illustrative purposes only. They should not be relied upon for making financial or investment decisions.

9. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Auction Bridging Loans or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or use any content from this Website without our prior written consent.

10. Limitation of Liability

To the fullest extent permitted by law, Auction Bridging Loans shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Website or Services. This includes, but is not limited to, loss of profits, loss of data, or business interruption.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

11. Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience and do not signify our endorsement of the linked website or its content. We are not responsible for the content, privacy practices, or availability of third-party websites.

12. Privacy

Your use of our Website and Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the Website and Services after any changes constitutes your acceptance of the revised Terms.

15. Contact Us

If you have any questions about these Terms, please contact us: