Welcome to Holme Finance Bridging Solutions (HFBS) a sister company to Blue Sky Mortgages and our very own, privately funded, short term lending division. HFBS prides itself on exploring and developing a niche range of products to complement those facilities already available in the general market. Our proposition currently includes
Advances from just £5,000 to £40,000
1st, 2nd and 3rd charges (even where consent is declined)
LTV’S Upto 65% (Based on open market)
All adverse status considered
Happy to consider CCA regulated
Addition of interest to the advance allowing flexibility with income calculations
Various security considered including land, semi commercial, buy to let and partially completed development
In house issue of documents and legal completion!
We are unique because, as a privately funded lender, we can make immediate decisions and in most cases complete without the aid of solicitors. We are also happy to consider the ‘quirkier’ deals or those outside our terms. Think of our advances as a secured loan only shorter!
Due to our lending we have also developed a close relationship with many other niche funders and wealthy private individuals enabling us to place some of the larger applications we receive, at very attractive terms. A valuable addition to some of the more restrictive options available through the large national lenders.
Traditionally bridging loans have had a limited use, assisting with the purchase of a new property prior to the sale of the old, usually a ‘closed bridge’. However ours are ‘open’ bridges and can be used for numerous purposes including:-
- Short term business cashflow pending payment of an invoice
- Credit repair pending a sale or refinance of the property
- Completion of refurbishment works pending a sale/refinance
- Purchase at auction where a quick completion is required
In fact any reasonable circumstance which offers a benefit to the client and where an exit strategy is available.
HOW WE WORK :
1) Call/email/fax or complete our online enquiry form (we are happy to accept any application form at enquiry stage)
2) We will agree and provide you with indicitive terms immediately if called or within 1 hour of a fax/email or online enquiry
3) If your client wishes to proceed we will call them to confirm the terms and procedure
4) We carry out land searches,val comparison and credit searches within the hour
5) We issue contracts direct from our office
6) We visit the client to complete documents (No solicitors are required in most cases)
7) We transfer the clients funds and pay you same day!
IF YOU FEEL WE COULD COMPLEMENT YOUR EXISTING SHORT TERM OPTIONS WHY NOT GIVE US A CALL? WE ARE ALWAYS HAPPY TO EXPLAIN EXACTLY HOW WE WORK AND HOW IT BENEFITS YOU AND YOUR CLIENTS. JUST ASK!
