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 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.

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.

HFBS Bridges the Finance Gap with a Last-Minute Loan

HFBS bridges the finance gap by saving property purchase with last-minute £110,000 Loan.

In a dramatic turn of events, HFBS came to the rescue of a property investor who found themselves in a precarious situation after committing to buy a property at auction under their limited company.

Despite having provisionally approved finance, the client faced unexpected hurdles that threatened to derail the purchase due to tight auction deadlines. The crisis unfolded when, after three weeks of attempting to finalise the deals, the client realised that the transaction would not be completed in time, risking the loss of the property and incurring substantial financial penalties.

With the clock ticking and just five days remaining to the deadline, the client sought the expertise of a broker who immediately turned to HFBS, known for their agility and reliability in such high-pressure situations.

Dan Yendall-Collings, Senior Underwriter comments: “Understanding the urgency, we sprang into action, proposing a solution to raise the required £110,000. Leveraging the client’s home equity, we were able to arrange a second charge on the property, enabling the investor to channel the funds into their limited company and secure the auction properties.”

The process, initiated on Monday with a looming Friday deadline, saw HFBS conduct a swift property valuation and dispatch an offer pack on the very first day. By Tuesday, HFBS representatives were on-site, finalising paperwork with the client. Upon receiving the valuation report and confirming the balance of the first mortgage on Thursday, HFBS promptly released the funds.

This rapid response allowed the client to inject the necessary capital into their limited company, successfully completing the property acquisition within the auction’s stringent timeframe. The loan, offered at a competitive rate of 1.15% over 12 months, has provided the client with a crucial lifeline, enabling them to navigate through this financial bottleneck.

The client now looks forward to refinancing the properties in the coming months, aiming to settle the director’s loan and repay HFBS, thus concluding a remarkable journey from potential disaster to successful acquisition. This case underscores HFBS’s commitment to providing flexible, timely financial solutions, reinforcing their position as a trusted partner in the bridging loan sector.