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The first week back for HFBS results in success.

HFBS returned to work at 9 AM on 11th May, by 4PM on the 20th May 2020  the team had issued full contractual terms on 11 cases and completed/funds to the client on three of those cases as follows :

“We advanced £42,495 at 1.35% mth over 12 months with interest to be ‘rolled up’ secured by first legal mortgage over two Buy to Let properties valued at £50,000 each. The valuation was established by a combination of original purchase prices/AVM and our own inspection.”

“The client had an urgent need to redeem an existing bridging loan to buy more time to secure a sale. The security was a residential BTL estimated at £250,000 in current condition ( in need of moderate refurbishment ) . Valuation was established by our own inspection of the property / comparable evidence. We advanced £100,855 at 1.2% month over 12 months with interest ‘rolled up’ and  secured by first legal mortgage.”

“The client had an urgent need to redeem an existing bridging loan to buy more time to secure a sale. The security is a car sales forecourt with on site living accommodation valued for a previous proposed lender in January 2019 . We advanced £32,719 at 1.75% month over 12 months with interest ‘rolled up’ secured as a second legal mortgage behind the clients bank mortgage of £187,000. Valuation was established by using the old valuation.”

Ian Broadbent, direct at HFBS says: “When we got back to business on the 11th we really had no idea what would happen. However it’s clear, the bridging business is back in business and we’re now anticipating funding a further deal before we take a well deserved long weekend off.”

If you are looking for the application of common sense and a lender that shares your clients urgency HFBS are here for you. Just call 01724 865577 or email here.


HFBS is delighted to announce a return to normal… ish lending with effect from the 11th
May 2020.

HFBS gets back to businessHFBS took the difficult decision to temporarily cease lending in the 25th March 2020 as it was unable to offer the exceptional levels of service it is renowned for, however funding is very strong and our appetite wholly undiminished.

It is, of course, difficult to ignore the continued ‘elephant in the room’ and there will be a limited number of minor adjustments to our working practices limiting our lending to the more straight forward applications.

We are absolutely committed to clear, open communication with our introducers, and in this spirit would outline our intentions as follows:

As we have previously communicated we have NO plans to reduce our standard published LTV’s or to increase our lending rates.

We are aware that clients have now, more than ever, a need for swift access to finance. In order to achieve this and avoid the requirement for solicitors ( many of whom are working on a very limited basis ) we will be applying our normal policy of visiting clients.

This will be done in a socially responsible way taking all necessary precautions, however if your client is unwilling to see our representative then significant delay will occur. Please ensure your client is aware of our requirement at the outset. We anticipate all ‘straight forward applications’ will be completed within 7 days of application.

As you will be aware it is near impossible to obtain internal valuations at present therefore we are happy to consider any applications up to £100,000 in value based on one or more of: AVM/stated purchase price/comparable research/previous valuations within the last 2 years /drive bys and personal inspections. Advances in excess of £100,000 may be considered based on one or more of previous valuations in the last 2 years / personal inspection and drive bys.

Whilst we return with a positive mindset it may naturally be more difficult to process and complete more complex or non standard applications. However we are happy to discuss any application and provide an honest opinion on our ability to proceed.

We have always prided ourselves on our commitment to working with our existing account holders when it is clear additional forbearance will achieve a favourable outcome. We wish to extend this facility to those clients with alternative lenders who may not be in a position to do so, therefore if you have applicants requiring a ‘re-bridge’ we will prioritise these where possible.

These are extraordinary times. However, so long as there is a demand HFBS wishes to support you and your clients. Should you have any questions please feel free to call us.
01724 86 55 77

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