Holme Finance Bridging Solutions: Specialists in Small Loans – No Loan Too Small!

At Holme Finance Bridging Solutions we pride ourselves on our ability to meet the needs of clients with flexibility and precision. Recently, we completed and approved two new small bridging loans—£52,775 and £66,595—helping individuals navigate financial challenges with ease and efficiency.

Our expertise in offering tailored solutions for smaller loan requirements sets us apart in the market. While many lenders focus on larger sums, we’re committed to ensuring that clients only borrow what they need, making us specialists in smaller advances. In fact, our bridging loans start from as little as £5,000 going up to £300,000.

These recent approvals highlight our willingness to support clients who need a quick, accessible financial solution, whether it’s for completing home projects, covering unforeseen costs, or managing cash flow gaps. Both loans reflect the trust that brokers and clients place in HFBS to deliver fast and reliable support, allowing projects to continue moving forward without delay.

We understand that not every project requires a large loan, which is why we’ve built our reputation around flexibility, making sure that even smaller advances come with competitive rates and a smooth approval process. Our goal is to offer clients exactly what they need, no more, no less, so they can confidently reach their goals.

For more information on how our bridging loans can help, and to see how we can tailor a loan to your specific needs, get in touch with the HFBS team today.

Get Funding Over the Line Before Christmas!

Secure Your Bridging Finance Before the Festive Break.

The countdown to Christmas is on, but there’s still time to complete your clients’ bridging finance deals before the holiday season!

HFBS is here to help you get deals over the line quickly and efficiently—often in just days.

Our last working day is Friday, December 20th, returning January 6th, so now’s the perfect time to act. Recent successful funding includes:

• £48,095 (Second charge) at 1.29% — Applied 21/10, paid out 01/11
• £157,355 (Two first charges) at 1.5% — Applied 28/10, paid out 01/11
• £52,795 (Second charge) at 1.1% — Applied 04/11, paid out 08/11

Our team is committed to making deals happen quickly, and we’re ready to support your funding needs before the Christmas break.

Don’t miss out—contact us today to start the process!

Start funding enquiry now.

Bridging Loan Secures Completion of Ambitious £1M Eco-House

HFBS recently provided a bridging loan to help complete a remarkable new-build eco-house project in rural Yorkshire. The client, who had embarked on a “Grand Designs” style venture, found themselves in financial difficulty partway through the construction.

The project was an ambitious circular timber structure featuring extensive glasswork, set in a scenic area of Yorkshire. The client had initially budgeted to see the build through to completion but soon encountered rising costs. Determined not to compromise on the quality and vision of the unique design, they continued progressing until funds ran out while finishing the high-spec interior.

At the point of needing additional funds, the structure was already watertight, but bespoke elements required to complete the interior, and the landscaping remained unfinished. The client, who had invested significantly into the project, estimated the final value to be close to £1 million, making it crucial to maintain the high standard of the build.

Their broker approached us for a net loan of £60,000 to allow the client to complete the project. Dan Yendall-Collings Senior Underwriter at HFBS said: “Given the property’s close proximity, just a 15-minute drive from our office, we visited the site to assess the potential in person. Recognising the substantial value already in place, we were confident in moving forward without a full valuation report.

HFBS offered the bridging loan at a highly competitive rate of 1.29% over 12 months, enabling the client to finalise the build, including landscaping, to maximise its appeal for a quick sale. This deal highlights HFBS commitment to supporting unique and high-value projects, ensuring ambitious builds like this reach their full potential.

Now Offering Loans Up to £250,000, with £300,000 Available for Select Deals

Effective immediately, HFBS is now offering loans of up to £250,000, with the possibility of increasing this to £300,000 for the right deals. This increase in funding capabilities allows brokers to access larger amounts more easily, providing critical support to clients needing fast and flexible financial solutions.

Ian Broadbent, Managing Director at HFBS say: “We are excited to announce this significant update. Thanks to the fresh availability of private funds, we have lifted the temporary cap on our maximum loan advances, allowing us to offer even greater flexibility to brokers and their clients.”

As always, HFBS remains entirely privately funded, providing the advantage of instant decision-making without the delays associated with institutional processes. The HFBS team takes pride in offering the fastest completions in the industry, ensuring clients can access the funds they need as quickly as possible.

“We’ve built our reputation on providing legendary service, and this new loan availability means we’re in an even better position to support brokers and their clients. Whether it’s a straightforward deal or something a little more complex, our experts are ready to assist.”

For brokers looking to secure bridging loans quickly and efficiently, this announcement is welcome news. With HFBS’s expanded loan offerings and continued commitment to fast service, brokers can offer their clients higher loan amounts and the confidence that their deal will be handled with the utmost professionalism and speed.

For more information or to discuss your specific needs, reach out to Dan, Alasdair, or Ian 01724 86 55 77.

HFBS Approves £30,000 Bridging Loan

Holme Finance Bridging Solutions Approves £30,000 Bridging Loan for Tyre Fitting Business Owner’s Property Renovation

Holme Finance Bridging Solutions (HFBS) has successfully approved a £30,000 bridging loan for a client looking to enhance the sale value of their commercial property.

The property, valued at £100,000 in its current state, served as storage for the client’s tyre-fitting business. With retirement on the horizon, the client sought to renovate the property and prepare it for sale at an optimal price.

The client’s primary goal was to carry out essential repairs and maintenance, including a new roof installation, electric roller shutters, internal painting, and repairing the hard-standing area at the rear of the property. These improvements were projected to increase the property’s market value to £150,000, making the investment highly worthwhile.

The approved loan enabled the client to fund the works swiftly. HFBS lent the funds at a competitive rate of 1.95%, using the property’s current valuation to underwrite the deal. With the loan secured and funding lined up within a week, the client was able to commence renovations immediately.

Dan Yendall-Collings, Senior underwriter said: “We were more than willing to look at the proposed deal and back it. The uplift in the property’s value not only makes this deal worthwhile but also increases its desirability for potential buyers, with the aim of achieving a faster sale. Win, win all round”

This successful approval highlights the flexibility and speed with which HFBS can provide tailored financial solutions, helping clients unlock value in their property assets and achieve their long-term goals.

HFBS Champions Bridging Finance Offering Unmatched Flexibility and Low Rates

In the dynamic and often unpredictable world of finance, having access to quick, temporary funding can be the difference between success and financial struggle. Holme Finance Bridging Solutions (HFBS), a pioneering company with over 40 years of experience in the industry, is helping individuals and businesses navigate these challenges by providing versatile and highly effective bridging finance solutions.

Bridging finance has emerged as a powerful financial tool, offering immediate funding for those in need of short-term solutions. HFBS stands out as a leader in this space by offering one of the lowest second mortgage rates in the bridging finance market, starting at just 0.95% per month. With advances starting from as little as £5,000, HFBS is uniquely positioned to serve a wide range of clients, from property investors to homeowners and small businesses.

HFBS’s approach to bridging finance is marked by unparalleled flexibility. Unlike many lenders that are bound by strict guidelines and bank mandates, HFBS offers privately funded loans with no solicitor involvement and no minimum valuation. This means that loans are processed with remarkable speed and efficiency, a critical advantage in situations where timing is everything.

“HFBS has complete authority over our lending decisions, which allows us to tailor our services to the unique needs of each client,” said Ian Broadbent, Managing Director of HFBS. “We have no fixed rules, no default rates, and our loans are entirely privately funded, giving us the agility to provide solutions where others may not.”

This level of flexibility is a rarity in the market, making HFBS a standout choice for those who require fast and reliable financial solutions. Whether it’s to bridge the gap between property transactions, cover urgent expenses, or navigate unexpected financial hurdles, HFBS delivers the support their clients need—without the usual roadblocks associated with traditional lenders.

HFBS’s commitment to serving their clients with innovative and accessible financial solutions continues to set them apart. With their highly competitive rates, a track record of over 40 years, and a deep understanding of the market, they remain a trusted partner for those seeking short-term funding.

For anyone in need of bridging finance, HFBS not only offers a lifeline but a strategic advantage in navigating financial complexities.

Contact the team to enquire

A Lifeline for Motorhome Purchase Amid Property Sale Delay

In the fast-paced world of financial solutions, bridging finance stands out as a versatile and effective tool, providing temporary funding to individuals and businesses in times of need. A recent case illustrates this perfectly: a client who successfully secured a £30,000 net loan to purchase a motorhome in time for the summer break, despite an unexpected hiccup in the sale of his investment property.

The client had been eagerly looking forward to the summer, planning to enjoy it in a new motorhome. With a property on the market and a sale already agreed upon, he confidently committed to purchasing the motorhome by paying a non-refundable deposit. This was an exciting step, especially since he had already sold his old motorhome to make plans for an adventurous tour.

However, just as he was ready to move forward, the sale of his investment property fell through at the last minute. This unexpected setback posed a significant challenge, as the client needed the funds from the property sale to complete the motorhome purchase. Despite the setback, he remained optimistic, believing that a new sale could be agreed upon quickly, given the high demand for properties in that area. But time was of the essence, and he couldn’t afford to let his summer plans fall apart.

Faced with this urgent need for funds and lacking the income for unsecured term borrowing, bridging finance from HFBS emerged as the ideal solution.

The client’s investment property, which was vacant and, on the market, had a value well in excess of £100,000. This allowed HFBS to approve the loan without requiring a full valuation. The deal was approved at an attractive rate of 1.39%, with a roll-up of interest agreed for up to 12 months. This flexible arrangement provided the client with the financial breathing room he needed, although he anticipated repaying the loan much sooner once the property was sold.

One of the remarkable aspects of this bridging finance deal was the speed at which it was executed. Understanding the urgency of the client’s situation, HFBS worked efficiently to disburse the loan. From application to payout, the entire process was completed in just four days, ensuring the client could proceed with his motorhome purchase without further delay.

Dan Yendall-Collings, Senior Underwriter at HFBS said: “While not a typical reason for borrowing on a bridging loan, this case exemplifies the versatility and efficacy of bridging finance in addressing unique and urgent financial needs. The client’s successful acquisition of the motorhome in time for the summer highlights how bridging loans can provide a crucial lifeline, enabling individuals to overcome temporary setbacks and achieve their goals. For anyone facing similar situations, this case underscores the importance of considering bridging finance as a viable and swift solution to short-term funding challenges.”

HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £5,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 40 years with complete authority on their lending. No solicitor involvement, no minimum valuation, and entirely privately funded, no bank mandates, no fixed rules, no default rates. HFBS really mean business.

Simpler, quicker, cheaper.

HFBS Approves Bridging Loan for Semi-Commercial Property

HFBS is pleased to announce the recent approval of a bridging loan of £195,000 for a new investment property purchase at auction.

Initially hoping to raise funds through a remortgage of a commercial property, the developer was advised by a broker that commercial mortgages were taking significantly longer to approve. Taking the advice of the broker, HFBS were approached to assist with an urgent bridging loan to help meet a tight auction deadline, enabling the purchase of an investment property.

The approved loan amount stands at £195,000 net, with an attractive interest rate of 1.29%. This loan, structured with a 12-month term, represents almost 50% loan-to-value (LTV) as a second charge, reflecting HFBS’s confidence in the project and the borrower.

“Our team is delighted to back this semi-commercial property,” said Dan Yendall-Collings at HFBS. “The semi-commercial property in question features a nursery on the ground floor with three flats above, which presents a unique investment opportunity we are proud to support.”

The competitive rates and flexible terms from HFBS are designed to help their clients achieve their real estate goals. The semi-commercial property sector is a vital part of the company’s lending portfolio. HFBS remains dedicated to providing tailored financial solutions to meet the diverse needs of its clients.

HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £5,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 40 years with complete authority on their lending. No solicitor involvement, no minimum valuation, and entirely privately funded, no bank mandates, no fixed rules, no default rates. HFBS really mean business.

Simpler, quicker, cheaper.

HFBS Successfully Provides Re-Bridge Solution, Saving Client from High Default Rates

HFBS is pleased to announce the successful completion of a re-bridge financing solution for a client facing steep default rates on their existing short-term bridging loan.

A broker approached HFBS with a client who had initially taken out a short-term bridging loan at an interest rate of 2% per month, with a default rate of 5% per month. The loan was intended to support a business investment, with plans for increased business cash flow to repay the loan within 12 months. Unfortunately, the business plan did not materialise as expected, prompting the client to decide to sell the property used as collateral.

Under the terms of the existing loan, the impending default rate would more than double the monthly interest, putting the client in urgent need of refinancing. HFBS stepped in to offer a re-bridge loan of £150,000, sufficient to clear the outstanding balance and provide the client with a 12-month term to complete the property sale. The new loan was offered at a significantly reduced interest rate of 1.25%.

The re-bridge process required a property valuation, which was the only delay in an otherwise swift transaction. Despite this, HFBS managed to complete the refinancing within 9 working days, effectively avoiding the high default rates of the previous loan.

Key details of the deal include:

Loan Amount: £150,000
First Charge: £313,000
Property Valuation: £1,000,000
Client Credit History: Good
Completion Time: 9 working days
Interest Rate: 1.25%

HFBS’s ability to quickly assess the client’s situation and provide a feasible exit strategy was instrumental in achieving this positive outcome. The re-bridge not only alleviated the client’s immediate financial pressure but also provided them with the necessary time to sell the property at a favourable price.

“We are proud of our team’s efficiency and dedication in handling this case,” said Ian Broadbent, Managing Director at HFBS. “Our client’s needs always come first, and we strive to offer solutions that are both practical and beneficial. This successful re-bridge financing is a testament to our expertise in providing flexible financial solutions.”

This achievement underscores HFBS’s commitment to providing flexible and timely financial solutions tailored to the unique needs of our clients.

HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £5,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 40 years with complete authority on their lending. No solicitor involvement, no minimum valuation, and entirely privately funded, no bank mandates, no fixed rules, no default rates. HFBS really mean business.

Simpler, quicker, cheaper.

HFBS Pioneers Swift Solutions in Bridging Finance

HFBS Pioneers Swift Solutions in Bridging Finance Amidst Market Challenges.

In the fast-paced world of bridging finance, timing is critical—especially when a potential default is on the horizon. Recognising this urgency, Holme Finance Bridging Solutions (HFBS) has solidified its position as a market leader by offering the quickest loan completions, often within an impressive 7-10 calendar days.

HFBS’s commitment to addressing urgent financial needs with unmatched efficiency and expertise sets them apart in the industry. Their streamlined processes and dedicated team ensure that clients can secure fast and effective solutions, providing much-needed peace of mind in challenging situations.

“We understand that our clients face high-pressure scenarios where delays are not an option.” said HFBS Managing Director Ian Broadbent. “Our ability to deliver rapid financial solutions within a week truly differentiates us. We are dedicated to providing the support our clients need to navigate financial uncertainties swiftly and confidently.”

HFBS invites those in need of immediate financial assistance to experience their exceptional service and expertise. Whether it’s to prevent a looming default or to seize a timely investment opportunity, HFBS stands ready to help clients achieve their financial goals with speed and reliability.

HFBS encourages anyone struggling with their bridging loan or seeking to understand more about their financial options to reach out. “Our doors are always open for discussion. If you need a solution tailored to your unique financial needs, do not hesitate to contact us.” said Ian.

HFBS aims to reinforce its commitment to providing flexible, reliable, and individualised financial solutions, helping clients regain control of their financial journeys and move forward with confidence.