A Decision in Principle is a document from a lender showing you how much they are willing to lend based on the details you provide. It is not a binding offer but will help demonstrate that you can afford a property. There is no obligation or commitment for the lender or the borrower at this stage.
We will only use your information for the sole purpose of providing you with funding terms to suit your requirements, and will share your information only with the lender as is necessary. We do NOT sell or pass on your information to any third-party for marketing purposes. If you wish to read our full Privacy Notice you can see this here
FCA authorised & regulated: Registration no. 733649
Data Protection registered: ICO Reg. no. ZA048393
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2026 Bridging rates available ...
Get your BEST RATE today ...
EquityOne Finance Limited is authorised & regulated by the Financial Conduct Authority FRN: 733649
Our advisors are qualified with a Certificate in Mortgage Advice and Practice
We are registered with the Information Commissioner (ICO)
We are registered with the Information Commissioner's Office (ICO)
Proud members of the National Association of Commercial Finance Brokers
Data protection compliant under General Data Protection Regulation
Representative example
For example: Based on an interest only regulated bridging loan of £100,000 for a maximum 12-month period on a fixed rate of 0.79% per month, payable at the end of the term. The total amount payable would be £111,902 made up of the loan amount plus interest of £9,902, and fees of £2,000. The overall cost for comparison is 11.9% APR representative. Please note that this example is for illustrative purposes only and the actual terms and conditions of a bridging loan may vary depending on the lender and the individual circumstances of the borrower. It's important to carefully review all terms and conditions before agreeing to a loan.
BOE Base Rate: 3.75% at May 2026
We’ve teamed up with ClearScore Everywhere Limited, one of the UK’s leading digital marketplaces for financial products, to help you find the financial solution that you’re looking for. ClearScore acts as a Credit Broker not a Lender. If you take out or are introduced to a loan or credit card provider, ClearScore will receive payment from that lender. ClearScore will also receive payment from the lender if you take out or are introduced to a mortgage broker for the purposes of first and second charge mortgage products. The amount received may vary dependant on the lender, yet it will not impact the amount you pay back to the lender. In addition, ClearScore also work with credit brokers and other service providers such as debt solution firms, and as such we will also receive payment should you be introduced to any of these. EquityOne Finance Ltd acts as a credit broker and earns a commission if you choose to take out a loan. A soft credit check will be done to provide your loan quote, which won't affect your credit rating. Your chosen lender may carry out a full credit check if you proceed to application.
ClearScore Everywhere Limited, trading as ClearScore. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.
Representative example
14.26% APRC Representative (variable). Representative example, if you choose to add fees to the loan: assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64. EquityOne Finance Ltd and Freedom Finance Limited are credit brokers and not lenders. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
BOE Base Rate: 3.75%
Financial Conduct Authority permission number: 733649
We are registered on the Data Protection Register with the Information Commissioner’s Office registration number ZA048393
Warning: Late repayment can cause you serious money problems, for help go to www.moneyhelper.org.uk
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
EquityOne Finance Ltd acts as a Credit Broker with access to whole of market and does not act as a Lender. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The Lender may pay us introductory commission in respect of the funding that is provided to you. Different funders pay different levels of commission depending on the product and loan amount. If you wish to receive further information about any such commission (including the amount), please let us know in writing.
Legal Privacy Notice Terms of Business Treating Customers Fairly Initial Disclosure Document
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Head office: 62 Anchorage Road, Sutton Coldfield, West Midlands, B74 2PG
Registered office: 3 Friary View, Sandford Street, Lichfield, WS13 6QX