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Recent Cases

Apex Bridging provides short term loan finance from £50,000 to £2 million. See some of our recent cases below.

£92,000 to purchase an investment property

Our client was a property investor that was actively looking to purchase another property to add to his portfolio.

They sourced a property that was within close proximity to another Buy To Let property they already owned, this property was a probate sale, and our client managed to negotiate a slightly below market value purchase price.

The property was located in Salford, Manchester and required a full refurbishment as it was in a dated condition and had been empty for around 12 to 18 months.

Our borrower required a bridging loan for the initial purchase of the property, he had already approached buy-to-let lenders however due to the extensive refurbishment works required (stripping out and replacing the kitchen and bathroom) this was not the right option for them at this stage.

We lent the client 80% of the market value, meaning we could provide a net loan as close to their purchase price as possible to allow the client to maximise personal funds for the refurbishment works that needed to be carried out.

Our borrower took a 7 month term to allow him to finalise all works and then refinance the property to a long term product. The refurbishment took longer than they thought but they still managed to exit the loan in a timely manner via a buy to let mortgage product.

The clients increased the value by 30%.

£52,500 to purchase an auction property

Our client purchased a repossessed property for cash via the receivers and achieved a distressed purchase price due to its very poor condition.  

He completed a full refurbishment to a high specification and tenants were lined up to move in straight away.

We refinanced this property to allow the client to complete on another auction purchase that he was successful with as he wanted minimal personal funds going into the purchase.

It was our clients intention to fully refurbish the auction property using own personal funds, we kept in touch throughout our loan term to understand how the client was progressing. Our client had purchased the property for £170,000, and it has an estimated GDV of £320,000.

Following refurbishment, the clients plan to exit our loan was to refinance the auction property.  The refinance of the property was arranged on time, and our loan was redeemed in full.

Our client was a professional person that sources below market value deals and/or auction properties to refurbish and either refinance or sell.

£96,000 to purchase an investment property

Our client became aware of a flat for sale, the property had previously been on the market but the vendor wanted a quick sale so was advised to send it to auction.  It failed to sell on the day and our client secured the property with a 10% deposit for the sum of £90,000.  This purchase was the first investment property for our client.

When the property was valued, we did not disclose the purchase price, and we obtained a true market valuation of £120,000, allowing us to lend 90% of purchase price.

Our loan completed in September 2017 with an 8 month term, our client had a team of contractors ready to start works and had his own funds to complete the works.

Our client redeemed only 3 months later, and therefore benefitted from our discounted rate of 1.13%. 

We are already in the process of lending to our client again and will continue to work with him in the future.

£426,000 to purchase an investment property

Our client purchased a former children’s care home, which was already set up as an un-licensed HMO (House of Multiple Occupancy).  We don’t usually lend on care homes, but we could see the potential with this deal which had been provided by one of our strongest introducers.  This gave us the confidence that the borrower had experience in what they were looking to do.

The property sold via sealed bids through the agents with 7 offers in total, the market in the area was very strong and demand for HMO rooms was high.  Our clients planned to apply for a 15 Bed HMO license.

Our loan completed in July 2017 with an 8 month term, the project was completed early and the HMO license obtained, our loan was redeemed after only 4 months with the exit being refinance. We lent 70% of value, at a rate of 0.8% per month.

We are looking forward to working with these clients again in the future.

£97,500 to purchase an investment property

Our client had sourced an apartment which had been repossessed, it had been empty for 3 years and they were looking to complete the purchase as their first investment property. 

The property was in the process of being refurbished and was 90% complete and due to go to auction with a guide price of £150,000.  Our client made a ‘pre-auction’ offer of £100,000 which was accepted.

The client’s mother-in-law provided additional funds to complete the refurbishment of the property and the estimated end value was to be £160,000.

We lent £97,500 over a 12 month period to allow for any unforeseen circumstances and the client then managed to refinance the property via a buy to let mortgage based on £160,000 via his original broker.

£56,000 to purchase an investment property

Our clients were friends and business partners who wanted to purchase their second investment property from a business contact who was selling off part of their property portfolio.

Our bridging loan enabled them to take up the opportunity and due to their relationship negotiate a purchase price that was below market value.

The property was in a poor state of repair and required total refurbishment and modernisation which the clients were going to manage partly themselves, and partly with experienced contractors. The property was purchased under market value for £50,000 and was valued at £70,000.  It was stripped out and taken back to bare brick, a full re-wire, central heating system, new kitchen and bathrooms were installed. The clients had personal funds of £50,000 and they borrowed £56,000 to complete the project and estimated the work to take a total of 3 months. The clients took an 8 month term to allow them to complete the works and market the property to achieve a sale for their desired price of £140,000.

We maintained contact with the borrowers throughout the term of the loan at regular intervals to keep the rapport and ensure the project was all on track.  Our clients managed to achieve a sale at the end of month 6 for the full market value.

£1.1m to purchase a semi-commercial investment

Our client purchased 6 one bedroom flats and a trading coffee shop all on one title for £1,100,000, but the On Market Value was estimated at £1,510,000. We lent our client 80% of the On Market Value which was equal to 100% of the purchase price of £1,100,000.

A full refurbishment of the flats took place over a period of 6 months by the client and his regular builder. Converting all one bedroom flats to two bedrooms. These were split, and new leases acquired for all, as well as obtaining a longer lease for the coffee shop.

Once the refurbishment was completed, the On Market Value had more than doubled to £2,300,000 which enabled our client to refinance on a long term basis to repay our loan and release the equity for the next project.


£216,000 to purchase an investment property

Our clients were a husband and wife that had the opportunity to purchase a dilapidated bungalow at a below market value price before it reached the open market.

The property was a detached 3 bedroom bungalow that was a deceased estate and in need of total refurbishment. The clients negotiated to purchase the property for £300,000.

It was the clients intention to complete a full refurbishment to the property over an 8 month term, they had a small team of contractors that they had previously used on a project to complete all the work to the property.

The works included plastering throughout the whole of the property, a new kitchen, a new bathroom aswell as extend the driveway and clear the garden.

They had budgeted a total of £25,000 for the project with their GDV being £450,000.

We provided £216,000 at 75% LTV.  The clients managed to complete the project under budget and were ready to market the property for sale earlier than expected.

The property was marketed immediately after the refurbishment was completed and sold within a short period for £475,000.

£280,000 to purchase an investment property

Provided £280,000 on a 1st charge basis on an investment property. The client needed the money quickly to complete a divorce settlement rather than sell the property as he felt it would increase in value over time. The value of the property at the time of the valuation was £370,000 and 12 months later it had increased to £500,000.

£540,000 to purchase an investment property

Provided £540,000 at 75% LTV to purchase an investment property. Due to the condition of the property the client was not able to obtain a buy-to-let mortgage. The loan funded refurbishment of the property to a habitable condition to enable the client to refinance the property on a buy-to-let mortgage.

£260,000 to purchase a partly refurbished investment property

Provided £260,000 on a partly refurbished investment property on a 2nd charge basis to help the client raise funds to complete the works and maximise value as a buy-to-let mortgage was not an option. At the time of valuation the property was worth £750,000 and, after refurbishment, went on the market for £1,395,000.

£275,000 to raise funds for business

Provided £275,000 on a 2nd charge basis on an investment property so the client could raise funds to invest into her business. The loan enabled her to quickly expand her business and ultimately secure a buy-to-let mortgage.

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01509 345 007


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