HFBS Completes £300,000 Bridging Loan to Support Development Exit

Holme Finance Bridging Solutions (HFBS) has delivered a timely £300,000 bridging loan to support a developer keen to complete the first phase of a new-build estate.

The client, who owns his residential property valued at £1,000,000 with an existing mortgage of £112,000, required funds fast to ensure smooth progress on a development site held in his limited company. Although the loan couldn’t be secured against the development site directly, HFBS was able to structure the deal in the client’s personal name, secured on his home address.

With several committed buyers having already paid deposits, the client had a clear exit strategy in place. HFBS swiftly arranged a valuation, which came back as expected, allowing them to release the funds and complete the deal within just 10 days.

The loan, offered at 1.09% per month for a term of up to 12 months, enabled the developer to finalise and sell the first phase of the project. The sales will repay the bridging loan in full and release capital to progress the second phase of the estate.

“While it wasn’t one of our fastest completions, it was up to our maximum loan size,” Dan Yendall-Collings Senior Underwriter at HFBS. “We don’t see many £300,000 cases, so it’s a great reminder to brokers that we are ready and able to fund at this level when the circumstances are right.”

HFBS remains committed to fast, flexible lending solutions, offering brokers and their clients competitive rates and a pragmatic approach to complex cases.

Auction Rescue as HFBS Completes £18k Bridge in Record Time

Speed and flexibility win the day as Holme Finance Bridging Solutions completes auction rescue just in time to secure property purchase.

A broker facing a fast-approaching auction deadline has hailed Holme Finance Bridging Solutions (HFBS) for stepping in where other lenders wouldn’t – completing a sub-£50k property deal in just days, and rescuing a client at risk of losing his investment.

The challenge came from a client who had successfully bid on a £47,000 investment property in Manchester. With only five days left to complete, the developer – despite his past experience with short-term finance – found himself unable to secure funding through traditional routes, primarily due to the property’s low value falling beneath other lenders’ minimum thresholds.

Turning to a broker for a solution, the challenge quickly became clear: the loan size and property value fell outside the scope of every lender capable of meeting the auction timeline… except one.

HFBS, renowned for its flexible lending criteria and refusal to impose minimum property values, was the standout option.

“We don’t have a minimum valuation requirement – if the deal makes sense, we’ll consider it,” Dan Yendall-Collings Senior Underwriter at HFBS commented. “In this case, the client only needed £18,000. We received the enquiry on Monday, made the offer the same day, met the client on Tuesday to finalise the paperwork, and were ready to fund well ahead of the Friday deadline.”

The loan was secured at a monthly rate of 1.89%, giving the client the breathing space to complete the purchase and plan for exit. With a light refurbishment, the property is expected to be valued at around £75,000, opening the door for a traditional buy-to-let remortgage – or a full settlement from business cashflow.

The deal is a textbook example of how speed and flexibility continue to set specialist lenders apart, particularly in time-sensitive scenarios like auction purchases.

“Where others see a problem, we look for the solution,” Dan added. “Our niche approach – low-value lending, rapid decision-making, and direct engagement with clients – is exactly what makes these deals possible.”

HFBS Races Ahead for Lindsey Lodge Hospice

Fuelled by Fun, Driven by Purpose: HFBS Races Ahead for Lindsey Lodge Hospice

With expert cornering, flawless focus, and pure kart control! The HFBS Kart team brought their A-game to this year’s Lincoln Krazy Races, taking on the twists, turns and thrills of the wacky soapbox course with incredible skill — and all in aid of an amazing cause: Lindsey Lodge Hospice.

With the crowd cheering and competitors whizzing by in all sorts of wild contraptions, the HFBS kart held its own with impressive speed and style. But beyond the fun and friendly competition, this was about making a difference.

Lindsey Lodge Hospice provides vital palliative care to people across North Lincolnshire, offering support, comfort, and dignity when it matters most. We’re proud to do our part to support their work — and the response so far has been incredible.

💙 We’re still buzzing from the day, but even more excited about the impact your donations can have. Raising a massive £635 is thanks to you, we know this will make a massive difference.

Every penny raised goes directly to helping Lindsey Lodge continue their incredible care — and there’s still time to get involved!

⏳ Help us reach our fundraising goal!
👉 Donate here

Thank you to everyone who’s already donated, shared our page, or cheered us on from the sidelines. Together, we’re racing toward something truly meaningful.

HFBS Hits the Road to Complete Urgent Bridging Loan

When a property developer needed an urgent bridging loan to complete his London project, HFBS didn’t just pick up the phone—they hit the road. In a race against the clock, HFBS completed a round-trip of several hours to meet the client in person, ensuring the deal was completed on time. Their quick thinking, decisive action, and commitment to finding a solution made all the difference, delivering the funds in just five days to meet a tight deadline despite complex circumstances.

The property developer, engaged in a London-based development, had previously secured a small second charge bridging loan against his home address to finance the project. However, the development faced unexpected delays and cost overruns, leaving it incomplete and unsellable.

To complicate matters, the existing lender, who the client had been negotiating with, had initially indicated that they might offer further funding and an extension. However, just days before the loan was due for repayment on March 28th, the lender withdrew their support leaving the client scrambling to secure £85,000. The client urgently needed this sum to clear the outstanding balance and secure an additional £50,000 to complete the project.

Contacted via a broker on March 24th, HFBS acted immediately to approve the deal, send out the full offer pack, and instruct a valuation on the same day. By March 25th, they had gathered essential information from the previous lender and the first mortgagee. The valuation took place on March 26th, with the report arriving the next day.

HFBS made significant efforts to ensure the client’s paperwork was completed on time, including traveling to the client’s home in Norfolk to facilitate the signing of the legal charge on March 27th. The completed pack was returned to the office and the advance released on March 28th, meeting the lender’s deadline and avoiding costly default fees.

Dan Yendall-Collings, Senior Underwriter at HFBS, commented: “We understand things don’t always go to plan. In this case, the client had overrun on both time and budget, but the deal still made sense, so we were happy to jump in and provide an opportunity to get the whole thing completed enabling him to realise the equity and profit in the development deal. We couldn’t secure on the development project as it was owned in the name of his limited company, but we could raise him the funds as a second charge on his home address with the purpose of funds being for business use.”

A fast, efficient solution thanks to HFBS’s decisive actions and commitment to client service, the bridging loan was completed on time. The developer is now able to complete the project and realise the profit on the property’s eventual sale. The £85,000 second charge bridge following a £60,000 first mortgage against a valuation of £250,000 was offered at a rate of 1.29% over 12 months.

HFBS’s ability to respond rapidly and decisively, even in complex and time-sensitive cases, sets it apart from other bridging lenders. When faced with unexpected challenges, HFBS rises to the occasion, helping clients find a way forward.

Your Flexible Finance Partner – Making Bridging Easy!

Why jump through hoops when you don’t have to? When it comes to bridging finance, speed and flexibility are essential.

HFBS offers:

🔄 No solicitor involvement in most cases

📄 In-house issue of documents and legal completion

🚫 No default rates Partner with us and see the difference!

That’s why brokers turn to Holme Finance Bridging Solutions (HFBS) – the finance partner that makes things simple.

HFBS understands that time is money, which is why they’ve cut out the unnecessary steps that slow things down. In most cases, there’s no need for solicitor involvement, thanks to their streamlined process.

Instead, HFBS handles everything in-house – from issuing documents to completing the legal process – saving you time, hassle, and cost.

And the good news doesn’t stop there! With HFBS, there are no default rates to worry about. It’s just straightforward, reliable finance designed with brokers in mind.

If you’re ready to experience the difference that flexibility makes, get in touch with HFBS today!

HFBS fundraiser for Lindsey Lodge Hospice

HFBS has just committed to entering the Lincoln Krazy Races on 22nd June all in aid of raising funds for Lindsey Lodge Hospice

It’s not long for the team to develop and build their very own race ready kart but as you can imagine with absolutely no experience of building karts the one thing they are relying on is an abundance of optimism and an unrivalled record for being quick.

One way or another Ian and his team will make this happen risking life and limb in order to provide entertainment in support of this very worthy local charity

Lindsey Lodge has been providing high quality, specialist palliative care and wellbeing services to local people and families living with life limiting illnesses for over 30 years. They do an excellent job but as a charity, they rely almost entirely on the donations and generosity of the local community.

Any support you can offer through a donation would be very much appreciated. Donating through JustGiving is simple, fast and totally secure. Your details are safe with JustGiving – they’ll never sell them on or send unwanted emails. Once you donate, they’ll send your money directly to the charity.

We’ll be sharing progress updates along the way. Wish us luck.

If you can, please donate here.

Bridging Loan to Revitalise Blackpool Property

HFBS has approved a swift bridging loan of £30,000 to help a property owner complete the refurbishment of a semi-detached house in Blackpool.

Originally purchased three years ago and divided into four flats, the property has seen significant transformation—three of its flats are either already renovated or nearing readiness for letting, while the fourth remains in a derelict state.

The owner, who has personally renovated one flat for her own occupation, has been steadily working on the other units over recent years. With two of the additional flats almost ready to be let out, the remaining under-renovation space was beginning to detract from the overall appeal of the property during tenant viewings. Needing to ensure the entire building met a uniform high standard, she turned to HFBS for a timely cash injection.

The approved loan, secured as a first charge on the freehold block, was offered at an attractive rate of 1.69% over a 12‑month term. Notably, HFBS streamlined the process by forgoing the need for a full valuation, instead basing the decision on the original purchase price and a physical inspection at the time of signing. This approach allowed the funding to be provided within just 24 hours, ensuring that work on the final flat could commence without delay.

With this strategic financing in place, the owner’s plan is to continue occupying one flat while letting out the remaining three. A remortgage is already on the horizon, aimed at clearing the bridging loan account as soon as possible. This development not only boosts the property’s market appeal but also underscores HFBS’s commitment to supporting innovative property renovation projects that rejuvenate local communities.

Dan Yendall-Collings, Senior Underwriter at HFBS said: “We are proud to offer flexible and prompt financing solutions that empower property owners to realise their vision. This bridging loan is a testament to our dedication in supporting these efforts.”

HFBS Delivers Swift Bridging Loan to Support Investor’s Stress-Free Retirement

Holme Finance Bridging Solutions (HFBS) has once again demonstrated its fast, flexible, and common-sense approach to lending, advancing a £20,000 bridging loan in record time—without the need for a valuation.

The client, an experienced investor, had a vacant investment property on the market for £320,000, with just £150,000 outstanding on the first mortgage. However, with cash flow tightening ahead of the sale, they needed a short-term funding boost to bridge the gap until completion.

Rather than facing lengthy delays with mainstream lenders, HFBS stepped in with a swift and tailored solution. Dan Yendall-Collings, Senior Underwriter at HFBS said: “We understand that traditional lenders often overcomplicate short-term borrowing, especially, as in this case, if there is evidence of a shaky credit history. However, we always take a pragmatic approach. If the deal makes sense, we make it happen—fast!”

HFBS were able to advance a net loan of £20,000 at competitive rate of 1.95% over 12 months without the need for a valuation. The proceeds from the property sale will clear the outstanding debts and assist the client to transition into a stress-free retirement.

HFBS Completes £50,000 Bridging Loan in Just Four Days

Holme Finance Bridging Solutions (HFBS) has once again demonstrated its industry-leading speed and efficiency, completing a £50,000 second charge bridging loan within just four days.

On the first Monday back in the New Year, a previous client approached HFBS with an urgent request for funding to support their business cash flow. Having successfully repaid a similar loan a year earlier, the client trusted HFBS to deliver a swift solution.

Leveraging their prior relationship and existing valuation evidence from the previous deal, HFBS quickly sprang into action:

Day 1 (Monday): The offer pack was prepared and sent out immediately after the application was received.

Day 2 (Tuesday): The client confirmed receipt of the documents and committed to proceeding.

Day 3 (Wednesday): HFBS conducted a visit to finalise and collect the signed paperwork.

Day 4 (Thursday): A ‘speak-with’ security call was completed in the morning, and funds were released by the afternoon.

The loan was secured as a second charge on the client’s home address, with a competitive interest rate of 1.39% over a 12-month term.

Although the client contacted HFBS directly, the company ensured that the original broker was kept in the loop and received their commission. This proactive measure highlights HFBS’s commitment to fostering strong, long-term partnerships with brokers, even when clients engage directly.

The client praised HFBS for their rapid and seamless handling of the loan, enabling them to secure the necessary funds without delays. Meanwhile, the broker expressed gratitude for being included in the process and receiving their due commission, cementing HFBS’s reputation as a broker-first lender.

“Dan Yendall-Collings, Senior Underwriter at HFBS said: “This latest deal is a testament to HFBS’s ability to act decisively, relying on strong client relationships, efficient internal processes, and an unwavering commitment to delivering results. Completing a deal of this nature in just four days demonstrates why we remain a trusted choice for fast, flexible bridging finance.”

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.

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.