Legal & Compliance
Full regulatory transparency. FCA-regulated appointed representative with clear compliance standards and client protections. Everything you need to know about our legal status and how we operate.
FCA Regulatory Status
BridgFunder London is an Appointed Representative of White Rose Finance Group Ltd, a fully FCA-regulated financial services firm.
FCA Reference Number:
630772
This means we are regulated by the Financial Conduct Authority (FCA) for certain mortgage and lending activities. You can verify our status at any time on the FCA register.
Important Note:
Some commercial, bridging and development finance products are not regulated by the FCA. However, we operate with full transparency and integrity in all our dealings, regardless of regulatory status.
What We're Regulated For
Regulated Activities
- • Certain BTL (Buy-to-Let) mortgage arrangements
- • Portfolio mortgage advice and arrangement
- • Commercial mortgage advice (in certain cases)
- • Asset finance arrangement for certain activities
- • Credit broking and related services
Unregulated Products
- • Bridging finance (commercial finance)
- • Development finance (commercial finance)
- • Certain invoice finance arrangements
- • Merchant cash advances
- • Working capital and business loans
Your Protections
For FCA-Regulated Services
If you use us for FCA-regulated services (such as BTL mortgages or portfolio mortgages), you have the following protections:
- ✓ FSCS Protection: You may be covered by the Financial Services Compensation Scheme (FSCS) up to £50,000 if we cannot pay claims for certain services.
- ✓ Fair Treatment: We must treat you fairly and act in your best interests when providing regulated services.
- ✓ Complaints Procedure: You can lodge a complaint with the FCA directly if you believe we've breached regulations.
- ✓ Transparent Disclosure: We must disclose all fees, terms, and conflicts of interest upfront.
For Unregulated Services
For unregulated products (bridging, development finance, etc.), we still operate with full transparency and integrity:
- ✓ Honest Advice: We recommend products based on merit, not because they earn us higher commission.
- ✓ Clear Terms: All loan terms, costs, and conditions are disclosed in writing before completion.
- ✓ Professional Advisors: We connect you with qualified solicitors and valuers to protect your interests.
- ✓ Direct Lender Agreements: Contracts are agreed directly between you and the lender—no hidden intermediaries.
Privacy & Data Protection
We take your data seriously. BridgFunder London operates in full compliance with GDPR and the Data Protection Act 2018.
What We Do With Your Data
- • Process your application: We use your information to assess your project and arrange suitable funding.
- • Credit checks: With your consent, we run credit searches with licensed credit reference agencies.
- • Share with lenders: We pass your details to lenders and their advisors (solicitors, valuers) only as needed to arrange your funding.
- • Regulatory compliance: We may share information with the FCA or other authorities if required by law.
- • No selling: We do not sell your information to third parties for marketing purposes.
Your Rights
Under GDPR, you have the right to:
- • Access a copy of the data we hold about you
- • Request correction of inaccurate data
- • Request deletion of your data in certain circumstances
- • Object to processing of your data
- • Request portability of your data
Terms, Conditions & Documents
Privacy Policy
Our full privacy policy details how we collect, use, and protect your data in full compliance with GDPR.
Read Privacy Policy →Terms of Use
Our terms govern your use of our website and services. Please review before proceeding.
Read Terms of Use →Questions About Compliance?
If you have any questions about our FCA status, how we operate, or your protections, don't hesitate to ask. We're happy to clarify.
Get in Touch