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HFBS Offers Flexibility and Support in Short-Term Financing

For over 20 years, Holme Finance Bridging Solutions has been a trusted name in the world of flexible and short-term financing. Offering a diverse range of financial solutions, the company’s success is attributed to its tailor-made services, working via a limited panel of intermediaries.

Let’s delve into the reasons why brokers consistently choose HFBS for short-term loans, and why they stand out in the crowded marketplace.

1. Hassle-Free Transactions

HFBS prioritises the convenience of its clients by removing unnecessary hurdles in the process. There’s no need for solicitors on either side in most cases, which not only simplifies the process but also speeds it up.

2. Clarity and Transparency

With full contracts issued on day one, borrowers have the opportunity to consider all terms and conditions before proceeding. This practice enhances trust and helps clients make informed decisions.

3. Flexible Charges

HFBS’s offerings include considerations for 1st, 2nd, and 3rd charges. This multi-layered approach ensures that a wider range of customers can access their services.

4. Catering to Various Needs

Loan advances start at just £5,000, with the potential to go up to £250,000. This flexible range allows HFBS to cater to diverse needs, making it suitable for both small and large-scale borrowers.

5. Equitable Charge Lending

HFBS is willing to lend where the first mortgagee refuses consent, a situation commonly referred to as an Equitable Charge. This reflects the company’s commitment to providing solutions even in challenging scenarios.

6. No Limit on Bad Credit

A significant feature that sets HFBS apart is their willingness to consider bad credit without limitations. This opens doors for many potential borrowers who may be rejected elsewhere.

7. Broad Security Considerations

HFBS considers all types of security, including land, BTL, semi-commercial, and commercial. This wide array of options makes it a one-stop-shop for various lending needs.

8. No Geographical Bias

Providing their services across England and Wales, HFBS doesn’t discriminate based on geographical location, allowing more people to benefit from their offerings.

9. Competitive Rates

With rates starting at 0.95% per month, including second charge, HFBS presents a financially attractive proposition to its clients.

10. No Minimum Valuation

This provision enables even more flexibility, further broadening the potential clientele for HFBS.

Holme Finance Bridging Solutions has earned a reputation as a flexible and responsive provider of short-term funds. Its wide range of unique selling points (USPs) has cemented its position as a preferred choice for brokers and borrowers alike. By offering transparent contracts, accommodating various charges, accepting different types of security, and considering bad credit without restrictions, HFBS continues to be a beacon of opportunity in the financial world.

Whether it’s a large commercial venture or a small personal project, the doors of HFBS are open, offering adaptable and innovative solutions for all. With two decades of experience and an unwavering commitment to customer satisfaction, they’re poised to continue making waves in the financial industry for years to come.

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 Welcome You to 2023

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.

When There’s Lack of Time HFBS Step in To Fund Investment

A postal strike and a mortgage provider pulling their deal didn’t stop an entrepreneurial property developer moving ahead and completing on a property bought at auction.

Thanks to Holme Finance Bridging Solutions (HFBS) an auction deadline that looked like it wouldn’t be met due to a BTL mortgage provider withdrawing their product at the last minute was back on track for Completion.

HFBS were approached by a broker to help a client who was contractually obliged to complete within 7 days on the purchase price of £68,000 knowing they had no way of starting and securing a new mortgage offer in time.

Dan Yendall-Collings, Senior Underwriter at HFBS says: “For this developer to get so far in the mortgage process only for it to be taken away was a devastating blow.  The broker approached us knowing there was limited time to turn it around, but we knew we could move quickly to meet the deadline.

“We agreed the deal using a drive-by valuation and issued our offer pack on a Friday. Unfortunately, the Royal Mail strike meant the pack wasn’t received until Monday but thankfully we were able to visit on Tuesday to finalise and witness the signing of the legal charge.  After that it all came together really quickly enabling us to release the funds on Thursday, a day ahead of the scheduled auction completion.”

It took HFBS five working days from receiving the application to the £68,000 pay out. They agreed the loan over 12 months at 1.4%pm with the planned sale of the development property securing repayment of the loan.

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.

Image by Racool_studio on Freepik

Historically bridging loans should have a swift completions, the modern day reality is often they are little quicker than a residential mortgage but HFBS are different, old fashioned great service with a proven track record of achieving amazing customer service.

HFBS will go the extra mile to meet a customers expectations, whether that is speed, efficiency, meeting face to face at short notice up and down the country or just delivery on what they offer, they will meet the customers’ expectations.

Simply put, HFBS deliver market leading service, every day…

Mr Matt Tristram, Co-Founder & Director of Loans Warehouse

The recent completion of a £205,000 advance, secured against a purchase, and completed in just three working days from initial contact prompted the following response from one of our significant introducers:

“Here @ Y3S we always have a positive approach, regardless of time constraints and tight deadlines. This case in particular was a challenge to say the least. But we knew, if we had the right partner and the right attitude, then this is something we could achieve. This is not the first time with have used HFBS, so we knew we had the right partner on board. From start to finish, Ian & his team mirrored our own enthusiasm to get this one done”

Mr Andrew Gage, Y3S Group

More4 Loans selected HFBS as our preferred bridging lender because they are exactly the type of lender we want to partner with. Not only do they offer a fantastic range of bridging loan products and with nationwide coverage, their speed of service is second to none. Ian and his team are quick to reply with approvals in principle and as they don’t need clients to employ solicitors can often turn round cases to completion in a matter of days. More4 Loans would have no hesitation in recommending other mortgage brokers, IFA’s or intermediaries to use HFBS

Mr Steve Pollard, More4Loans

HFBS are an innovative and dynamic company. Their bridging loan proposition fulfills a much needed niche in the bridging market. They take a common sense approach to lending and offer a great level of service.
Referring cases over to them could not be more simple and we are assured that our clients will be dealt with in a professional manner.

Mr Ian Miller, Highcroft Securities

When you need hassle-free, fast bridging I would always recommend HFBS. Every time they deliver again and again.

Mr Chris Warner, First4Commercial

We have worked with Holme Finance Bridging Solutions (HFBS) on many occasions over the years, primarily for smaller bridging loans of between £10k and £200k. Without doubt they are the best performing bridging company we have used. They always do what they say and move quickly to complete a deal and pay the commission. If its not one for them, you are told at the outset so you can immediately try and place elsewhere

Mr Gary Latham,

Ian always finds time to chat through each potential deal, always honest in his assessment, and if he says he can do it, he will, promptly and efficiently! How refreshing in today’s market!

Mr Mike Wipfler, Lodhi Finance