Terms and Conditions

1. About Us

Westminster Bridging Finance is a trading name of Construction Capital. We are a commercial finance brokerage specialising in bridging loans and short-term property finance. We operate as a broker, not a lender. Our role is to source suitable financing solutions from our panel of lenders on your behalf.

These terms and conditions (“Terms”) govern your use of our website at westminsterbridgingfinance.co.uk and the services we provide. By using our website or engaging our services, you agree to be bound by these Terms.

2. Our Services

We act as an intermediary between you and potential lenders. Our services include:

• Understanding your financing requirements and objectives
• Searching our lender panel to identify suitable bridging finance products
• Presenting you with available options, including rates, terms, and associated costs
• Assisting with the application process and liaising with lenders on your behalf
• Coordinating with solicitors, valuers, and other professionals as required to progress your application to completion

We do not provide financial advice. The information we provide is intended to help you make an informed decision, but you should seek independent professional advice where appropriate.

3. Regulatory Status

Commercial bridging finance is largely unregulated lending activity. We are not authorised or regulated by the Financial Conduct Authority (FCA) for regulated mortgage or consumer credit activities.

Where a client's requirements fall within the scope of FCA regulation (for example, loans secured on a primary residence for personal purposes), we will refer you to an appropriately authorised and regulated partner firm. We will make it clear when a referral is being made and to whom.

We do not provide advice on regulated mortgage contracts or consumer credit agreements.

4. Fees

Our fee structure is transparent and will be disclosed to you in writing before you proceed with any application:

• Broker fee: We typically charge a broker fee of 1–2% of the gross loan amount. The exact fee will be confirmed in our terms of engagement letter provided to you before proceeding.
• Payment terms: For most products, our broker fee is payable upon successful completion of your loan. No fee is charged if the loan does not complete, unless otherwise agreed in writing.
• Lender fees: Lender arrangement fees, exit fees, valuation fees, legal fees, and other charges imposed by the lender are separate from our broker fee and will be detailed in the lender's offer.
• Commission: We may receive a commission (procuration fee) from the lender upon completion. This will be disclosed to you in advance.

5. Your Obligations

By engaging our services, you agree to:

• Provide accurate, complete, and truthful information in all communications, applications, and documentation
• Promptly supply any documentation or information requested by us or the lender to progress your application
• Inform us of any material changes to your circumstances that may affect your application
• Not make any misleading or fraudulent representations to us, lenders, or any other parties involved in the transaction
• Pay all agreed fees in accordance with the terms of engagement

Providing false or misleading information may result in the withdrawal of any finance offer and could constitute a criminal offence.

6. Property Security

Bridging loans are secured against property. This means the lender will place a legal charge on the property offered as security for the loan. It is essential that you fully understand the implications of offering property as security before proceeding.

You should ensure you have a clear and viable exit strategy for repaying the bridging loan before the end of the agreed term. Failure to repay may result in the lender exercising its security rights, including the sale of the property.

7. Limitation of Liability

To the fullest extent permitted by law, Westminster Bridging Finance (trading as Construction Capital) shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or in connection with the use of our services or this website.

We do not guarantee that any lender will approve your application or that finance will be available on any particular terms. Lender decisions are made at the sole discretion of the lender.

Whilst we take reasonable care to ensure the information on our website is accurate and up to date, we make no warranties or representations as to the accuracy, completeness, or suitability of the information provided. All information is for general guidance only and does not constitute financial advice.

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

8. Third Party Links

Our website may contain links to websites operated by third parties, including lenders, regulatory bodies, and professional partners. These links are provided for your convenience and information only. We do not control, endorse, or accept responsibility for the content, privacy policies, or practices of any third-party websites.

Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites. We recommend that you review the terms and privacy policies of any third-party website before providing personal information or entering into any transaction.

9. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, design, and software, is the property of Westminster Bridging Finance (or its licensors) and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, transmit, or otherwise use any content from this website without our prior written consent, except for personal, non-commercial use in connection with enquiring about our services.

10. Governing Law

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

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

11. Contact Us

If you have any questions about these Terms and Conditions or our services, please contact us: