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Ian Broadbent, Director of Holme Finance and Bridging Solutions, shares his view on the last 12 months in the bridging market and what it means for the year ahead…

What a year 2022 was! War in Europe, War in the Tory party, energy prices through the roof and an impending ‘cost of living’ crisis you would be forgiven for building that bomb shelter and going to ground! But wait, have you tried employing a tradesman lately? Good luck they are all busier than ever. And ourselves? Just celebrating the best year on record! Strange times indeed.  

So 2023? Beset, I expect, by the usual press negativity seeking a headline that may sell a few additional copies. At HFBS we are no more capable of predicting the future than anyone else however our best guess is that even should a slow down occur (and that is by no means certain) recovery will be reasonably swift and that is how we intend to underwrite. Our terms will remain competitive, LTV’s are not shifting and our appetite is undimmed. Want some certainty? So do we.  We will continue to work with brokers providing the much-needed confidence required in the financial services market.

We are still the number one lender for a quick response. We pride ourselves on being very different, filling a niche in the market to complement your existing providers of short-term finance. Amongst our genuine USP’s we continue to offer; No limit on bad credit, small loans, no age limits, no first mortgage consent required and no solicitors in most cases. And one major difference, if it is in a clients best interest we will happily consider taking out an existing bridging loan. As we like to say, with HFBS everything is simpler, quicker, cheaper

It is also important to remember that this level of service will only come from an experienced bridging lender who can actually deliver. We have been advancing short-term funds via a limited panel of intermediaries for over 40 years with complete authority on our lending – think it’s fair to say we have the experience.

All that is left to say is that we are very much looking forward to building lasting business relationships in 2023 and doing what we do best, providing a genuine service and lightening quick bridging loans.

We very much look forward to working with you in 2023.