About Apex Bridging

One of the UK’s Leading Providers of Short-Term Bridging Finance, with up to 90% Max LTV and Fast Funds Release

Find out how a bridging loan can help fund your property
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Borrow Between £75k – £1m and Get Funds Released within 7 Days

Achieve Your Property Ambitions with Apex Bridging

Apex Bridging is one of the UK’s leading bridging finance companies.

HBB Bridging Loans trading as Apex Bridging, company registration number 08548882 is part of the HBB Group which includes HBB Relocations Services Ltd—company registration number: 7857990.  HBB Relocation Services was established in 2011 and have bought over 3000 properties since its inception.  With a £500m annual turnover and approximately 20 properties bought per month, it’s owned by a management team with years of property expertise – Buying and selling is what we do.

Why did we get into bridging?

    • 2010 – HBB Relocation Services Ltd was set up, and House Buyer Bureau property buyers were established.
    • 2013 – We were approached by some property professionals wanting to borrow money, so Apex Bridging was born.

There are no tick box criteria with us, and we pride ourselves on common sense lending.  We look at each case individually so that direct Underwriter contact is there from the start.  You don’t get fobbed off with online portals where you can be waiting days for an answer to your query.  We’re contactable, and the person you speak to will be the Underwriter for your case, giving you that instant response needed when dealing with property transactions.  We don’t credit score and don’t overwhelm you with many documents to fill out.  Not forgetting you’re dealing with an award-winning bridging lender awarded ‘Bridging Loans Provider of the Year 2022 – UK’ in the 2022 Business Excellence Awards, Most Trusted Bridging Loan Provider in the SME News UK Enterprise Awards 2023 and Bridging Loan Provider of the Year in the SME News Finance Awards 2023.

Call Us Today to Discuss Your Loan Requirements
01509 345 007

Our Approach to Residential Bridging Loans — Doing Things Differently

Apex isn’t your average bridging lender. We like to do things a little differently, looking for reasons to lend, rather than reasons not to. Our dedicated team of Directors, Underwriters, Business Development Managers and Lending Administrators work hand-in-hand with specialist solicitors and surveyors to ensure that every client receives an exceptional level of service.

We never base our decisions on rudimentary credit checks or past financial conduct alone — we make decisions on a case-by-case basis and go the extra mile to tailor our bridging loans to each client’s individual circumstances.

Apex Bridging is committed to ethical lending and determined to do things the right way. We operate with no hidden fees, no exit charges and no red tape to hold back loans and cause delays — that’s why we can offer up to 90% LTV and release funds within seven days of application.

Want to learn more about the people behind the keyboards and telephones?

Apex Bridging Verified Client Testimonials

Why Choose Apex Bridging?

  • Borrow between £75k and £1m on a short-term basis (typically 6-12 months with a minimum of 4 months interest payable)
  • Tailored finance solutions to suit individual circumstances — borrow to purchase, refurbish or refinance a property
  • We lend at higher LTVs than many providers (up to max 90% LTV)
  • All financial situations considered — no credit check required
  • Exceptional client service and broker relationship management

    Please note: We do not offer regulated loans, mortgages or credit agreements and are not regulated by the FCA.

Call Us Today to Discuss Your Loan Requirements
01509 345 007

Chris Hodgkinson

Managing Director
Chris is Managing Director and has worked in property all his professional career. He has extensive experience in the property buying market and regularly comments in the press on property matters, trends and promotes ways to simplify and speed up the selling process.

Sarah Richardson

Head of Operations
Sarah has over 20 years’ experience within the financial services sector, with a strong background managing teams in both a lending and recoveries capacity, covering a large range of products and niches. CeMap qualified she has also experienced life as a mortgage and protection broker, understanding the challenges from both Lender & Broker perspectives. She is professional, approachable and thrives on building positive working relationships ensuring high levels of service are delivered.

Alex Richards

Business Development Manager
Alex brings a wealth of knowledge and experience from his time in the world of finance. After being a mortgage broker, he understands the frustrations and questions that you may come across as a broker. When he's not looking at your deals, he'll either be at the gym, watching the F1 or out climbing a mountain somewhere.

Sarah Barker

Sarah joined Apex as an experienced Lending Administrator and has now progressed to be a valued member of the underwriting team. She underwrites loans from day one all the way through to drawdown stage. She is highly organised, professional and approachable and loves building relationships and working closely with brokers to get deals done.

Catherine Pietersen

Catherine is one of our Underwriters. She joined us from Orchard Funding where she held the position of Senior Underwriter. Catherine has a wealth of experience gained over a number of years after moving to the UK from South Africa in 2008. She was previously with Zebra Finance where she worked her way up from an admin role to Senior Underwriter looking after a small team.

Stephanie Browne

Marketing Manager
Steph is our Marketing Manager with over 20 years marketing experience predominantly in a Marketing Management role for a range of companies in diverse sectors. She holds a CIM Professional Postgraduate Diploma in Marketing with skills in event management, branding, PR, project management, online and offline communication activity, idea creation and design.

Nioni Kenny

Nioni is an underwriter and joined us from My Mortgage Specialist where she was a Case Manager. Nioni has vast experience within finance with over 10 years working in banks or Mortgage Brokerages both in Malta and the UK. She also has knowledge of Bridging Finance gained from submitting applications and managing cases right through to fund release. When not hard at work Nioni can be found enjoying her free time with her 2 young children.

Claire Harris

Group Head of People
Claire has been with the business since its inception in 2013 which means she has an understanding of the challenges the business has faced over the years. She provides support for the team from an HR perspective together with various elements of other work covered within the finance team. Claire is driven by the knowledge that a happy, supported team will be more motivated and productive.

Sameena Khan

In-House Lawyer
I have worked in law firms and other property investment companies over the past 10 years, so I have vast experience in both sales and purchases of freehold and leasehold properties within the UK. I provide in-house legal support for the company. My experience in a very fast paced world of residential property enables me to act swiftly and offer clarity throughout the legal process.


Head of Distractions
I can be found most of the time at various desks as people start their lunch, if someone heads for their trainers, I grab my lead. I love looking out of the window and barking at the postman or anyone really, I’m not fussy!

01509 88888 everything

Contact Details


HBB Bridging Loans Limited
T/A Apex Bridging Loans

1 The Cornerstone
Market Place
DE74 2EE
Company Number 08548882
Contact Us To Discuss Your Loan Requirements
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