Welcome to our website, we hope you find the site helpful and informative especially if you are looking to raise finance for yourself, your business or your client. If you are a mortgage broker, financial adviser, accountant or other intermediaries, we welcome your business and look forward to developing a mutually rewarding ongoing relationship. Our story starts back in 2006 when the company was set up by 5 members of the same family assisted by a number of finance professionals with a track record of over 30 years in the lending/funding business including the ex-managing director of a private commercial bank secured lending division.

If you require any further information or details of our enquiry and application procedures or wish to submit an enquiry and require a decision “In Principle” one of our helpful new business team will be most happy to hear from you on 0161 767 9393 or [email protected].

Please find below the answers to questions you may be thinking of asking:-

Where do Bridgewater get their funds from:

Our funds for approved loans are provided by our lending partners (Bridgewater Acceptances LTD is not the lender) on whose behalf we process and underwrite.

What sets Bridgewater Acceptances apart from other companies:


Do we accept enquiries direct from the business community:

Yes, we do, and each enquiry is treated on its own merits by a member of our new business team and further down the line should the enquiry progress to a formal application by one of our experienced and friendly underwriters.

Do we provide an indication of terms:

In all cases of interest to us, we provide an initial indication of likely terms called “In Principle” terms based on the initial enquiry and information provided.

Do we offer advice:

We are not regulated to advise customers about their financial requirements, we can talk about the products we offer and look in every case to provide the best terms we can based on our customers’ requirements and status. We would always suggest that our customers take the appropriate professional advice regarding their financial requirements especially if they are unsure if to proceed forward to formal application and valuation. Our friendly personnel will always talk through our procedures at the start of our process and look to answer any queries that may arise to ensure the whole process proceeds as smoothly as possible with a minimum of fuss.

Do we accept enquiries from brokers and intermediaries:

Yes, we do, the vast majority of our business comes from enquiries submitted by the broker/intermediary sector, we always work closely with our introducers to ensure we successfully fund the required loan within the timescale required. Upon successful completion of their case, we pay agreed commissions to the introducing broker.

Do we request business accounts and bank statements:

No, neither ourselves or our lending partners are a Bank therefore, we have a more flexible process. When the borrower is a company or self-employed, we accept accountants’ reference as to the income received in the last financial year and a projection of income for the current and next financial year. When the security offered generates sufficient annual rental to meet our affordability criteria an accountant’s reference is not required. Employees will be required to provide the last 3 payslips apart from when any rental income received meets our affordability criteria. No income proof is required for bridging loans where repayments will be via the sale of the security.

Do we accept applicants with adverse credit or are not UK based:

Yes, we do, those individuals or companies with historic credit problems are still considered including those with recent CCJs, what we don`t do is fund those applicants who have current arrears or don’t keep up with their credit commitments. As far as offshore companies and individuals are concerned, we are happy to consider their requirements and, in most cases, meet their expectations.

We are here to offer you a fast and friendly personal service and most importantly the funds required within the timescales required with a minimum of fuss. This is what we offer and this is what we aim to achieve on every application we receive.

Please refer to our customer charter below for further information on the service we offer.

Fast – Effective – Efficient

Please note: It is always best to obtain the appropriate advice from a professional intermediary regarding your finance options prior to proceeding to a full application. Bridgewater Acceptances do not offer or provide financial advice and only quote In Principle terms based on initial information provided and the exclusive products we offer. All funds on agreed loans are provided by our lending partners.

All borrowers must use the solicitors of their own choice to act for them solely, the solicitors chosen must have 2 or more regulated SRA Managers. All legal costs are payable by the borrower(s). Ex Bankrupts are considered for a mortgage providing they have been discharged for 12 months or more. All products and criteria are for guide purposes and maybe changed at any time without prior notice given.

All photos on the site are for illustration purposes only.

Bridgewater Acceptances Limited – First Floor, 118 Bury New Road, Whitefield, Manchester, M45 6AD Tel: 0161 767 9393 – Fax: 0161 767 9602

Registered Office: 245 Bury New Road, Whitefield, Manchester, M45 8QP – Company Reg: 6114410

Bridgewater Acceptances Limited is authorised and regulated by the Financial Conduct Authority. This does not include regulated residential mortgages – Further details available upon request.