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It isn’t everyday you inherit a house, but with the requirement to spend a lot of money on its derelict state the benefactor didn’t know where to turn when her bank refused to advance a loan for refurbishment works.

Photo by Melinda Gimpel

Thankfully a broker approached Holme Finance Bridging Solutions (HFBS) on the benefactor’s behalf requesting funding to enable the semi-derelict property to be transformed for a quick sale.

Dan Yendall-Collings, senior underwriter at HFBS says: “Our broker’s client had been let down by her bank who had refused to approve her application or compromise on her catch 22 situation. A mortgage was refused based on the fact she couldn’t provide evidence of meeting monthly payments and the property being in a semi-derelict state wasn’t habitable.”

The benefactor had no intention of becoming a landlord, and had no desire to live in the property but couldn’t afford to maintain the house, so after the refusal of a loan from her bank she looked for alternative funding.

Dan continues to say: “In consultation with local estate agents the client was advised that with a limited amount of investment it could achieve a sale price of £300,000, £100,000 above it’s current valuation of £200,000 as semi-derelict property. We did need a full valuation purely down to the current state of the property. But thankfully the valuation confirmed that spending just £50,000 would transform the property into a mortgageable asset where a quick sale would likely be achieved.

HFBS completed a full valuation, which confirmed the property in its current state to be worth £200,000. With a quote from the builders of £50,000, and confirmation of a four-week turnaround, HFBS were happy to advance £50,000 as a net loan for up to 12 months giving her time to complete the works and achieve a sale.

HFBS issued a £50,000 bridging loan over a 12-month term at 1.45% per month.

HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £10,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 15 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.

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