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Now with second charge rates from just 0.95% No Solicitors Required Advances from £5,000 We consider an FCA Second Charge

Welcome to Holme Finance Bridging Solutions (HFBS).

We pride ourselves on being very different, filling a niche in the market to complement your existing providers of short term finance and completing the more straight forward application without the need for solicitor involvement. Simpler, quicker, cheaper.

Please Read before continuing

HFBS accepts applications exclusively from professional financial intermediaries.

Please confirm you are a professional financial intermediary and that you understand that the content of this website is not to relied upon by general consumers.

I accept I decline

Thank you, but please be aware

We can provide on request, details of local intermediaries who may submit an application on your behalf.

This site is intended for the use of professional intermediaries. If you are interested in short term finance, we can provide on request, details of local intermediaries who may submit an application on your behalf.


With advances starting at just £5,000 our fee structure is tiered to reflect that fact smaller advances often involve similar work whilst offering considerably less return.


£5,000 - £49,999 4%
£50,000 - £79,999 3%
£80,000 + 2%

In addition, in all cases an additional £895 flat charge for legals will apply.

These charges are added to the client's nett advance requirements, reflected on the day 1 offer and attract interest at the contractual rate. Fees are deducted on release of the advance and are NOT payable if a case is cancelled prior to completion.


In many cases we will not require a valuation however, where this is required, the following scale applies to all standard residential property:

Up to £200,000 £249
£200,001 - £400,000 £299
£400,001 - £600,000 £499
£600,001 - £1,000,000 £799

Properties in excess of £1,000,000 on application.

'Drive by Valuations' may be accepted for certain property types and are usually charged at £149 up to £500,000 estimated value or at £225 between £500,001 and £1,000,000 in estimated value.

All valuation fees are paid once the client confirms acceptance to our terms and are NON REFUNDABLE once instructed.

Valuation fees for commercial, semi-commercial, land and other non standard securities will be advised on an individual basis.