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Welcome to Holme Finance Bridging Solutions (HFBS)

We pride ourselves on being different, filling a niche in the loans market that complements your existing providers of short term finance. Genuine USPs include: no limit on bad credit, no proof of income required, small loans welcome, no age limits, no first mortgagee consent needed** and no solicitors or full valuation required in the majority of cases. Simpler, quicker, cheaper.

* In most cases, where there is no change to the legal title or ILA required.
** Except in cases with all monies charges

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What Makes Us Different?

As a privately funded lender, we can make swift decisions on loan enquires and complete without the aid of solicitors in the majority of cases. We are happy to consider the ‘quirkier’ deals others might reject, as well as those outside our terms. Think of our advances as a secured loan, only shorter!

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  • 60% LTV* * Up to 60% net advance with fees & interest
  • MIN £5k
  • MAX £300k
* Up to 60% net advance with fees & interest

  • Advances from just £5,000
  • Bridging loans available across all of England and Wales
  • Completion of simpler cases in as little as three working days
  • Poor credit and all adverse status considered
  • No property valuation required in many cases
  • LTVs up to 60% (based on open market)
  • No solicitor involvement in most cases
  • Interest is added to the advance in a ‘roll up’, meaning we do not require evidence of affordability
  • Capital reductions allowed at any time without penalty
  • Various security considered, including: land, commercial, semi-commercial, buy-to-let, HMO and partially-completed development
  • First, second and third charges (even where consent is declined, unless an all monies clause is present)
  • No default rates at term expiry
  • In-house issue of documents and legal completion

Our Products

Our ethos is to keep things simple and our product range reflects this. We will lend for any legal purpose with any viable repayment plan.

Short Term Business Cashflow

Pending payment of an invoice.

Credit Repair

Pending a sale or refinance of the property.

Completion of Refurbishment

Works pending a sale/refinance.

Purchase at Auction

Where a quick completion is required.

Refinance an Existing Bridging Loan

When a current loan is about to expire.

Property/Business Investments

Where a project requires a cash injection.