Black & White Bridging comment on FCA announcement

22 July 2025

Oli Bland, director of lending at Black & White Bridging commented:

"While today’s announcement from the FCA is focused on the mainstream mortgage market, any move to improve flexibility and consumer outcomes is a positive signal — and the bridging sector has long led the way on both.

“Short-term lenders already operate with the agility these reforms are aiming to unlock: we assess cases on their individual merits, move at pace, and support borrowers with complex or time-sensitive needs that high street lenders often can’t accommodate.

“That said, we welcome any regulatory clarity that encourages innovation and acknowledges the diverse needs of today’s borrowers. As homeownership journeys become more fragmented, bridging finance plays an increasingly important role in providing solutions outside traditional lending paths — whether that’s chain repair, auction purchase or time-critical refinancing.

“It’s encouraging to see the FCA recognise that one size doesn’t fit all. As always, the key will be implementation — and ensuring that new flexibilities don’t come at the expense of robust underwriting and responsible lending."