About Apex Bridging

One of the UK’s Leading Providers of Short-Term Bridging Finance, with up to 95% Max LTV and Fast Funds Release

Borrow Between £25k – £1m and Get Funds Released Quickly

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 2010 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 a multi award-winning bridging lender, awarded numerous industry awards including Bridging Loans Provider of the Year, Most Trusted Bridging Loan Provider and Best Short-term Bridging Finance Provider.

MEET THE APEX BRIDGING TEAM

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 95% LTV and release funds quickly.

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

MEET THE APEX BRIDGING TEAM

Apex Bridging Verified Client Testimonials

Excellent Support on a Complex Case. We’ve just completed a fairly complex case with Apex Bridging, and I wanted to highlight the support we received — particularly from Catherine. It wasn’t the most straightforward transaction and required careful handling throughout. Catherine, as underwriter, was excellent. She was thorough but pragmatic, communicative at every stage, and clearly focused on finding solutions rather than obstacles. On bridging cases, that mindset makes all the difference — and her persistence and professionalism were key in getting this one completed. Nioni was also very supportive from the outset and worked with us to ensure the terms were structured in a way that suited the client’s position. That early flexibility helped set the tone for the deal. Overall, a strong experience with a lender that understands real-world property transactions and is willing to work collaboratively to get deals across the line. Thank you so much Alastair, Catherine and Nioni are thrilled with your feedback and we look forward to working with you again.
Alastair Collier Mortgage Lane
Sarah has been amazing! Her patience and professionalism is second to none. I experienced delay after delay from the seller during the course of trying to obtain the loan to buy a property to refurbish. She kept things moving forward and managed to get the loan/survey extended. It was a massive relief to finally get over the finish line!! Thank you very much!
J RobertsBorrower
Helpful, friendly and fast! My business partner and I were in need of quick, borrowed funds for a project that had come up and fortunately, due to the value of the deal, we were able to obtain 100% LTV on the purchase price. This helped us massively, as we appreciated that this level of funding very rarely happens, however Apex were amazing with the process from start to finish with great communication in between from Nioni. We would definitely use their services again and I would highly recommend to other investors looking for short term finance as the whole thing was seamless. Thanks again Nioni and Apex for your help in us purchasing our first property!
Alex Warrener Borrower
Easy to work with. Very helpful, professional and friendly company to work with, everything was clearly broke down and explained. Sarah Barker was underwriter who helped us through the process, made it very easy.
Ryan MooreBorrower
Very helpful on all aspects. Very efficient and delt with us professionally cheers Thank you for your review Clive, we look forward to working with you again.
Clive Eric Riley Borrower
Great customer service. I have been working with Apex for a few years now and I have always had quick responses and a good relationship with the underwriters and office team.
David
A wonderful, efficient and expert support from Apexbridging. We used this company recently for a complex purchase, which was a potentially difficult experience. Apexbridging could not have done anymore to ensure that was not the case. Sarah and her team are, quite simply, first class, supportive, friendly with incredibly clear communications. At no point were we ever left in any doubt as to what was needed by us.
Paul HillBorrower
Great experience, Sarah Barker who acts as the Senior Underwriter provided great experience and a clear line of communication. Despite the challenges we faced in the process we overcame each hurdle swiftly. Will most certainly use them again in the very near future once i have serviced this loan.
Gabos LondonBorrower
Had a really positive experience with the company. Nioni was amazing from start to finish. Answered all of my questions and kept me updated constantly throughout! She has been an absolute pleasure to work with!
Dani MortimerBorrower
Working with Nioni was a great experience. She made the mortgage process smooth and stress-free. Super organized, clear with communication, and always quick to respond to any questions I had. You can tell she knows her stuff and really cares about getting things done right. Highly recommend her if you want someone reliable and easy to work with.
Mohammed HussainBorrower
First time using Bridging Finance & impressed with the service we received from Nioni and the team. Nioni was always professional and timely in the responses and made the whole process very straightforward.
AnnaBorrower
We placed a very quirky property purchase case with Apex Bridging and within an hour Louise Thornhill had sent AIP terms. The case then went to the underwriter Nioni Kenny and was genuinely one of the most effortless cases we've processed for bridging. Nioni was there to help at every step along the way and if the client or I had any queries we would have a response almost instantly with updates provided along the way without needing to chase. Would highly recommend Apex Bridging and will definitely be using them again going forward.
Josh Jones Charles Frank Finance Limited
Five stars for Apex Bridging! I can't speak highly enough of the staff I dealt with at Apex Bridging who helped us complete a complicated property purchase for one of our clients. This was a challenge on multiple levels and ultimately, it was their patience and diligence that secured this for us, going above and beyond at every turn without any prompting from our side, a truly refreshing experience. I can't recommend them enough and will definitely seek to use them again.
STGrosvenor Capital Group
A pleasure to deal with.. Client approached me for help with an auction purchase after being messed around by another broker for 5 weeks. With 1 week remaining before notice was served and the client not having finance in place, I spoke with Louise (who was very helpful) and the ball was rolling. I was then introduced to Sarah who was underwriting my case and she was fantastic. I had Sarah's direct line and she would ALWAYS take my call whenever I needed - the support was amazing. Application submitted and through to completion within 2 weeks, it was concluded by the solicitors 30 mins before the final deadline. There are many bridging lenders who say they're quick and promise the world, but these guys are the real deal and will always find a solution to any hiccups that arise. I would not hesitate to recommend Apex to anyone.
Aled Wiltshire MGI Direct Limited
I can’t recommend Sarah & her team at Apex enough, really happy with the service and already lining up the next few prophecy’s with them
Paul DixonBorrower
The staff are a good bunch, knowledgeable, friendly, and helpful. I dealt with Nioni Kenny, all of those virtues apply to her. My experience with Apex and Niomi was great. Thanks RA
Ronnie ArmstrongMWA Financial Advice
Sarah was great to work with. Regular updates. Kept on top of legals and completed on time. 1st of many👌
Derek Robert Ramsay Rapid Business Loans
Sarah Barker was the underwriter for one of my clients needing Bridging Finance. She was absolutely fantastic, providing me regular updates and letting me know exactly what was outstanding. The solicitors on the clients side were difficult and took a long time to get through the requisitions but Sarah and Apex's legal team helped massively, explaining exactly what was needed and what was left to get done. Thank you so much for your assistance in getting this over the line!
Sophie Owens
On track at every stage of the application. Everyone at Apex ensured that this case progressed at pace at every step for the client, resulting in a very happy client who will be looking to use myself and Apex in the future.
James Oldham Positive Lending
Incredible service from start to finish. How refreshing to actually meet the underwriters of a lender who want to understand the deal and get to know you. We had a rushed completion due to the extra SDLT being thrown at us from Rachel Reeves in the budget, and then with 3 hours to complete before the very next day the deal cost us an extra £16000, I’m very happy to have had this lender on board who pulled out all the stops a day early and got the deal though just in time. Thank you! 🙏🏻
Louise SmithBorrower
I cannot praise Apex enough, from the start to the finish of a most difficult purchase , Apex helped me through the whole painful process . My case handler Sarah Barker was always at the end of the phone , with any advice or help that Sarah could offer . If anyone is looking for bridging finance at competitive rates , I would highly recommend Apex Bridging .
Anonymous customer
We work with Apex often and they always go above and beyond for every application. Their seamless process allows us to keep our clients informed at every stage of the process. We have recently completed an application with Nioni Kenny and she really did make everything so easy. She kept myself and the client updated and really did go above and beyond with everything. Nioni is such a kind and professional member of the team at Apex and i am looking forward to working on the next application together. Thank you Nioni 🙂
Emma Burley EMS
Just wanted to say thank you for all your support and believing in me. I truly believe that your trust in me enabled me to achieve the goal of redevelopment. I can’t thank you enough and looking forward to future projects.
Sarah Palmer
Apex are fast, efficient and friendly. Small enough to care. Big enough to cope. A true bridging lender who are happy to lend against open-market value of property (not just purchase price). An excellent team of experienced personnel who are a pleasure to deal with. Highly recommended.
Kit Thompson
Speed, service and flexibility. Staff are knowledgeable, proactive and above all, a pleasure to deal with. They have a proactive, can do attitude backed with excellent service from initial enquiry through to completion, we can’t recommend them highly enough.
Dave PinningtonDirector - Intermediary Relations Finance 4 Business
Exceptional Partner for Bridging Finance As a broker, I’ve had the privilege of collaborating with Sarah Barker from Apex Bridging, and I can confidently say she is an outstanding partner in the industry. Her deep understanding of bridging finance, coupled with her proactive approach, has made working with her an absolute pleasure. Sarah is highly knowledgeable and takes the time to understand both the broker’s requirements and the client’s unique needs. Her communication is second to none—she ensures that every step of the process is transparent, efficient, and tailored for success. What sets Sarah apart is her ability to navigate complex cases with professionalism and precision. Her dedication to securing the best outcomes for clients is unmatched, and her expertise has been instrumental in helping me deliver exceptional service to my clients. If you're looking for a reliable, skilled, and approachable professional in bridging finance, Sarah Barker is the ideal choice. I look forward to continuing our partnership and highly recommend her services to other brokers and clients alike.
Rishi Baungally Premier Gold
I can’t fault them. Their service continues to impress me along with the communication that you expect from start to finish! Exemplary!
Grant Poole-Adams Harvey Bowes
Regardless of the outcome of this case and whether or not we can get it over the line Friday or not, I just want to put on record how fantastic you have been with this case. The flexibilities and can do attitude that has been shown to try and facilitate this loan have been nothing short of absolutely brilliant and I wanted you all to know just how appreciative I am of all the hard work you have put in.
Stephen WattsBrightStar
This is the first time I have you Bridging Finance, I was put in touch with them by my Mortgage Brokers as my latest property purchase was not fitting with the conventional purchase method. I had a zoom call to start with, which was not as frightening as I had made it out to be in my mind, it was more who are you, what are you trying to achieve and how can we help you. My case Handler (Underwriter) was a lady called Catherine Pietersen and I can not thank her and the rest of the staff at Apex enough. She constantly kept me up to date on the progress via telephone and e mail. Twice when i thought my purchase had hit a brick wall and would not complete, like a guiding star she was able to find answers and ways to get my purchase over the line. I highly recommend Apex Bridging and would use them again
Mr R Gregory
Nioni was a breath of fresh air to work with—offering a great product with straightforward, no-nonsense underwriting requirements. Always finding ways to say 'yes' rather than 'no,' Nioni was consistently available to assist with any issues, making the entire process smooth and enjoyable.
Daniel KhanHank Zarih’s
Excellent Support on a Complex Case. We’ve just completed a fairly complex case with Apex Bridging, and I wanted to highlight the support we received — particularly from Catherine. It wasn’t the most straightforward transaction and required careful handling throughout. Catherine, as underwriter, was excellent. She was thorough but pragmatic, communicative at every stage, and clearly focused on finding solutions rather than obstacles. On bridging cases, that mindset makes all the difference — and her persistence and professionalism were key in getting this one completed. Nioni was also very supportive from the outset and worked with us to ensure the terms were structured in a way that suited the client’s position. That early flexibility helped set the tone for the deal. Overall, a strong experience with a lender that understands real-world property transactions and is willing to work collaboratively to get deals across the line. Thank you so much Alastair, Catherine and Nioni are thrilled with your feedback and we look forward to working with you again.
Alastair Collier Mortgage Lane
Sarah has been amazing! Her patience and professionalism is second to none. I experienced delay after delay from the seller during the course of trying to obtain the loan to buy a property to refurbish. She kept things moving forward and managed to get the loan/survey extended. It was a massive relief to finally get over the finish line!! Thank you very much!
J RobertsBorrower
Helpful, friendly and fast! My business partner and I were in need of quick, borrowed funds for a project that had come up and fortunately, due to the value of the deal, we were able to obtain 100% LTV on the purchase price. This helped us massively, as we appreciated that this level of funding very rarely happens, however Apex were amazing with the process from start to finish with great communication in between from Nioni. We would definitely use their services again and I would highly recommend to other investors looking for short term finance as the whole thing was seamless. Thanks again Nioni and Apex for your help in us purchasing our first property!
Alex Warrener Borrower
Easy to work with. Very helpful, professional and friendly company to work with, everything was clearly broke down and explained. Sarah Barker was underwriter who helped us through the process, made it very easy.
Ryan MooreBorrower
Very helpful on all aspects. Very efficient and delt with us professionally cheers Thank you for your review Clive, we look forward to working with you again.
Clive Eric Riley Borrower
Great customer service. I have been working with Apex for a few years now and I have always had quick responses and a good relationship with the underwriters and office team.
David
A wonderful, efficient and expert support from Apexbridging. We used this company recently for a complex purchase, which was a potentially difficult experience. Apexbridging could not have done anymore to ensure that was not the case. Sarah and her team are, quite simply, first class, supportive, friendly with incredibly clear communications. At no point were we ever left in any doubt as to what was needed by us.
Paul HillBorrower
Great experience, Sarah Barker who acts as the Senior Underwriter provided great experience and a clear line of communication. Despite the challenges we faced in the process we overcame each hurdle swiftly. Will most certainly use them again in the very near future once i have serviced this loan.
Gabos LondonBorrower
Had a really positive experience with the company. Nioni was amazing from start to finish. Answered all of my questions and kept me updated constantly throughout! She has been an absolute pleasure to work with!
Dani MortimerBorrower
Working with Nioni was a great experience. She made the mortgage process smooth and stress-free. Super organized, clear with communication, and always quick to respond to any questions I had. You can tell she knows her stuff and really cares about getting things done right. Highly recommend her if you want someone reliable and easy to work with.
Mohammed HussainBorrower
First time using Bridging Finance & impressed with the service we received from Nioni and the team. Nioni was always professional and timely in the responses and made the whole process very straightforward.
AnnaBorrower
We placed a very quirky property purchase case with Apex Bridging and within an hour Louise Thornhill had sent AIP terms. The case then went to the underwriter Nioni Kenny and was genuinely one of the most effortless cases we've processed for bridging. Nioni was there to help at every step along the way and if the client or I had any queries we would have a response almost instantly with updates provided along the way without needing to chase. Would highly recommend Apex Bridging and will definitely be using them again going forward.
Josh Jones Charles Frank Finance Limited
Five stars for Apex Bridging! I can't speak highly enough of the staff I dealt with at Apex Bridging who helped us complete a complicated property purchase for one of our clients. This was a challenge on multiple levels and ultimately, it was their patience and diligence that secured this for us, going above and beyond at every turn without any prompting from our side, a truly refreshing experience. I can't recommend them enough and will definitely seek to use them again.
STGrosvenor Capital Group
A pleasure to deal with.. Client approached me for help with an auction purchase after being messed around by another broker for 5 weeks. With 1 week remaining before notice was served and the client not having finance in place, I spoke with Louise (who was very helpful) and the ball was rolling. I was then introduced to Sarah who was underwriting my case and she was fantastic. I had Sarah's direct line and she would ALWAYS take my call whenever I needed - the support was amazing. Application submitted and through to completion within 2 weeks, it was concluded by the solicitors 30 mins before the final deadline. There are many bridging lenders who say they're quick and promise the world, but these guys are the real deal and will always find a solution to any hiccups that arise. I would not hesitate to recommend Apex to anyone.
Aled Wiltshire MGI Direct Limited
I can’t recommend Sarah & her team at Apex enough, really happy with the service and already lining up the next few prophecy’s with them
Paul DixonBorrower
The staff are a good bunch, knowledgeable, friendly, and helpful. I dealt with Nioni Kenny, all of those virtues apply to her. My experience with Apex and Niomi was great. Thanks RA
Ronnie ArmstrongMWA Financial Advice
Sarah was great to work with. Regular updates. Kept on top of legals and completed on time. 1st of many👌
Derek Robert Ramsay Rapid Business Loans
Sarah Barker was the underwriter for one of my clients needing Bridging Finance. She was absolutely fantastic, providing me regular updates and letting me know exactly what was outstanding. The solicitors on the clients side were difficult and took a long time to get through the requisitions but Sarah and Apex's legal team helped massively, explaining exactly what was needed and what was left to get done. Thank you so much for your assistance in getting this over the line!
Sophie Owens
On track at every stage of the application. Everyone at Apex ensured that this case progressed at pace at every step for the client, resulting in a very happy client who will be looking to use myself and Apex in the future.
James Oldham Positive Lending
Incredible service from start to finish. How refreshing to actually meet the underwriters of a lender who want to understand the deal and get to know you. We had a rushed completion due to the extra SDLT being thrown at us from Rachel Reeves in the budget, and then with 3 hours to complete before the very next day the deal cost us an extra £16000, I’m very happy to have had this lender on board who pulled out all the stops a day early and got the deal though just in time. Thank you! 🙏🏻
Louise SmithBorrower
I cannot praise Apex enough, from the start to the finish of a most difficult purchase , Apex helped me through the whole painful process . My case handler Sarah Barker was always at the end of the phone , with any advice or help that Sarah could offer . If anyone is looking for bridging finance at competitive rates , I would highly recommend Apex Bridging .
Anonymous customer
We work with Apex often and they always go above and beyond for every application. Their seamless process allows us to keep our clients informed at every stage of the process. We have recently completed an application with Nioni Kenny and she really did make everything so easy. She kept myself and the client updated and really did go above and beyond with everything. Nioni is such a kind and professional member of the team at Apex and i am looking forward to working on the next application together. Thank you Nioni 🙂
Emma Burley EMS
Just wanted to say thank you for all your support and believing in me. I truly believe that your trust in me enabled me to achieve the goal of redevelopment. I can’t thank you enough and looking forward to future projects.
Sarah Palmer
Apex are fast, efficient and friendly. Small enough to care. Big enough to cope. A true bridging lender who are happy to lend against open-market value of property (not just purchase price). An excellent team of experienced personnel who are a pleasure to deal with. Highly recommended.
Kit Thompson
Speed, service and flexibility. Staff are knowledgeable, proactive and above all, a pleasure to deal with. They have a proactive, can do attitude backed with excellent service from initial enquiry through to completion, we can’t recommend them highly enough.
Dave PinningtonDirector - Intermediary Relations Finance 4 Business
Exceptional Partner for Bridging Finance As a broker, I’ve had the privilege of collaborating with Sarah Barker from Apex Bridging, and I can confidently say she is an outstanding partner in the industry. Her deep understanding of bridging finance, coupled with her proactive approach, has made working with her an absolute pleasure. Sarah is highly knowledgeable and takes the time to understand both the broker’s requirements and the client’s unique needs. Her communication is second to none—she ensures that every step of the process is transparent, efficient, and tailored for success. What sets Sarah apart is her ability to navigate complex cases with professionalism and precision. Her dedication to securing the best outcomes for clients is unmatched, and her expertise has been instrumental in helping me deliver exceptional service to my clients. If you're looking for a reliable, skilled, and approachable professional in bridging finance, Sarah Barker is the ideal choice. I look forward to continuing our partnership and highly recommend her services to other brokers and clients alike.
Rishi Baungally Premier Gold
I can’t fault them. Their service continues to impress me along with the communication that you expect from start to finish! Exemplary!
Grant Poole-Adams Harvey Bowes
Regardless of the outcome of this case and whether or not we can get it over the line Friday or not, I just want to put on record how fantastic you have been with this case. The flexibilities and can do attitude that has been shown to try and facilitate this loan have been nothing short of absolutely brilliant and I wanted you all to know just how appreciative I am of all the hard work you have put in.
Stephen WattsBrightStar
This is the first time I have you Bridging Finance, I was put in touch with them by my Mortgage Brokers as my latest property purchase was not fitting with the conventional purchase method. I had a zoom call to start with, which was not as frightening as I had made it out to be in my mind, it was more who are you, what are you trying to achieve and how can we help you. My case Handler (Underwriter) was a lady called Catherine Pietersen and I can not thank her and the rest of the staff at Apex enough. She constantly kept me up to date on the progress via telephone and e mail. Twice when i thought my purchase had hit a brick wall and would not complete, like a guiding star she was able to find answers and ways to get my purchase over the line. I highly recommend Apex Bridging and would use them again
Mr R Gregory
Nioni was a breath of fresh air to work with—offering a great product with straightforward, no-nonsense underwriting requirements. Always finding ways to say 'yes' rather than 'no,' Nioni was consistently available to assist with any issues, making the entire process smooth and enjoyable.
Daniel KhanHank Zarih’s
Excellent Support on a Complex Case. We’ve just completed a fairly complex case with Apex Bridging, and I wanted to highlight the support we received — particularly from Catherine. It wasn’t the most straightforward transaction and required careful handling throughout. Catherine, as underwriter, was excellent. She was thorough but pragmatic, communicative at every stage, and clearly focused on finding solutions rather than obstacles. On bridging cases, that mindset makes all the difference — and her persistence and professionalism were key in getting this one completed. Nioni was also very supportive from the outset and worked with us to ensure the terms were structured in a way that suited the client’s position. That early flexibility helped set the tone for the deal. Overall, a strong experience with a lender that understands real-world property transactions and is willing to work collaboratively to get deals across the line. Thank you so much Alastair, Catherine and Nioni are thrilled with your feedback and we look forward to working with you again.
Alastair Collier Mortgage Lane
Sarah has been amazing! Her patience and professionalism is second to none. I experienced delay after delay from the seller during the course of trying to obtain the loan to buy a property to refurbish. She kept things moving forward and managed to get the loan/survey extended. It was a massive relief to finally get over the finish line!! Thank you very much!
J RobertsBorrower
Helpful, friendly and fast! My business partner and I were in need of quick, borrowed funds for a project that had come up and fortunately, due to the value of the deal, we were able to obtain 100% LTV on the purchase price. This helped us massively, as we appreciated that this level of funding very rarely happens, however Apex were amazing with the process from start to finish with great communication in between from Nioni. We would definitely use their services again and I would highly recommend to other investors looking for short term finance as the whole thing was seamless. Thanks again Nioni and Apex for your help in us purchasing our first property!
Alex Warrener Borrower
Easy to work with. Very helpful, professional and friendly company to work with, everything was clearly broke down and explained. Sarah Barker was underwriter who helped us through the process, made it very easy.
Ryan MooreBorrower
Very helpful on all aspects. Very efficient and delt with us professionally cheers Thank you for your review Clive, we look forward to working with you again.
Clive Eric Riley Borrower
Great customer service. I have been working with Apex for a few years now and I have always had quick responses and a good relationship with the underwriters and office team.
David
A wonderful, efficient and expert support from Apexbridging. We used this company recently for a complex purchase, which was a potentially difficult experience. Apexbridging could not have done anymore to ensure that was not the case. Sarah and her team are, quite simply, first class, supportive, friendly with incredibly clear communications. At no point were we ever left in any doubt as to what was needed by us.
Paul HillBorrower
Great experience, Sarah Barker who acts as the Senior Underwriter provided great experience and a clear line of communication. Despite the challenges we faced in the process we overcame each hurdle swiftly. Will most certainly use them again in the very near future once i have serviced this loan.
Gabos LondonBorrower
Had a really positive experience with the company. Nioni was amazing from start to finish. Answered all of my questions and kept me updated constantly throughout! She has been an absolute pleasure to work with!
Dani MortimerBorrower
Working with Nioni was a great experience. She made the mortgage process smooth and stress-free. Super organized, clear with communication, and always quick to respond to any questions I had. You can tell she knows her stuff and really cares about getting things done right. Highly recommend her if you want someone reliable and easy to work with.
Mohammed HussainBorrower
First time using Bridging Finance & impressed with the service we received from Nioni and the team. Nioni was always professional and timely in the responses and made the whole process very straightforward.
AnnaBorrower
We placed a very quirky property purchase case with Apex Bridging and within an hour Louise Thornhill had sent AIP terms. The case then went to the underwriter Nioni Kenny and was genuinely one of the most effortless cases we've processed for bridging. Nioni was there to help at every step along the way and if the client or I had any queries we would have a response almost instantly with updates provided along the way without needing to chase. Would highly recommend Apex Bridging and will definitely be using them again going forward.
Josh Jones Charles Frank Finance Limited
Five stars for Apex Bridging! I can't speak highly enough of the staff I dealt with at Apex Bridging who helped us complete a complicated property purchase for one of our clients. This was a challenge on multiple levels and ultimately, it was their patience and diligence that secured this for us, going above and beyond at every turn without any prompting from our side, a truly refreshing experience. I can't recommend them enough and will definitely seek to use them again.
STGrosvenor Capital Group
A pleasure to deal with.. Client approached me for help with an auction purchase after being messed around by another broker for 5 weeks. With 1 week remaining before notice was served and the client not having finance in place, I spoke with Louise (who was very helpful) and the ball was rolling. I was then introduced to Sarah who was underwriting my case and she was fantastic. I had Sarah's direct line and she would ALWAYS take my call whenever I needed - the support was amazing. Application submitted and through to completion within 2 weeks, it was concluded by the solicitors 30 mins before the final deadline. There are many bridging lenders who say they're quick and promise the world, but these guys are the real deal and will always find a solution to any hiccups that arise. I would not hesitate to recommend Apex to anyone.
Aled Wiltshire MGI Direct Limited
I can’t recommend Sarah & her team at Apex enough, really happy with the service and already lining up the next few prophecy’s with them
Paul DixonBorrower
The staff are a good bunch, knowledgeable, friendly, and helpful. I dealt with Nioni Kenny, all of those virtues apply to her. My experience with Apex and Niomi was great. Thanks RA
Ronnie ArmstrongMWA Financial Advice
Sarah was great to work with. Regular updates. Kept on top of legals and completed on time. 1st of many👌
Derek Robert Ramsay Rapid Business Loans
Sarah Barker was the underwriter for one of my clients needing Bridging Finance. She was absolutely fantastic, providing me regular updates and letting me know exactly what was outstanding. The solicitors on the clients side were difficult and took a long time to get through the requisitions but Sarah and Apex's legal team helped massively, explaining exactly what was needed and what was left to get done. Thank you so much for your assistance in getting this over the line!
Sophie Owens
On track at every stage of the application. Everyone at Apex ensured that this case progressed at pace at every step for the client, resulting in a very happy client who will be looking to use myself and Apex in the future.
James Oldham Positive Lending
Incredible service from start to finish. How refreshing to actually meet the underwriters of a lender who want to understand the deal and get to know you. We had a rushed completion due to the extra SDLT being thrown at us from Rachel Reeves in the budget, and then with 3 hours to complete before the very next day the deal cost us an extra £16000, I’m very happy to have had this lender on board who pulled out all the stops a day early and got the deal though just in time. Thank you! 🙏🏻
Louise SmithBorrower
I cannot praise Apex enough, from the start to the finish of a most difficult purchase , Apex helped me through the whole painful process . My case handler Sarah Barker was always at the end of the phone , with any advice or help that Sarah could offer . If anyone is looking for bridging finance at competitive rates , I would highly recommend Apex Bridging .
Anonymous customer
We work with Apex often and they always go above and beyond for every application. Their seamless process allows us to keep our clients informed at every stage of the process. We have recently completed an application with Nioni Kenny and she really did make everything so easy. She kept myself and the client updated and really did go above and beyond with everything. Nioni is such a kind and professional member of the team at Apex and i am looking forward to working on the next application together. Thank you Nioni 🙂
Emma Burley EMS
Just wanted to say thank you for all your support and believing in me. I truly believe that your trust in me enabled me to achieve the goal of redevelopment. I can’t thank you enough and looking forward to future projects.
Sarah Palmer
Apex are fast, efficient and friendly. Small enough to care. Big enough to cope. A true bridging lender who are happy to lend against open-market value of property (not just purchase price). An excellent team of experienced personnel who are a pleasure to deal with. Highly recommended.
Kit Thompson
Speed, service and flexibility. Staff are knowledgeable, proactive and above all, a pleasure to deal with. They have a proactive, can do attitude backed with excellent service from initial enquiry through to completion, we can’t recommend them highly enough.
Dave PinningtonDirector - Intermediary Relations Finance 4 Business
Exceptional Partner for Bridging Finance As a broker, I’ve had the privilege of collaborating with Sarah Barker from Apex Bridging, and I can confidently say she is an outstanding partner in the industry. Her deep understanding of bridging finance, coupled with her proactive approach, has made working with her an absolute pleasure. Sarah is highly knowledgeable and takes the time to understand both the broker’s requirements and the client’s unique needs. Her communication is second to none—she ensures that every step of the process is transparent, efficient, and tailored for success. What sets Sarah apart is her ability to navigate complex cases with professionalism and precision. Her dedication to securing the best outcomes for clients is unmatched, and her expertise has been instrumental in helping me deliver exceptional service to my clients. If you're looking for a reliable, skilled, and approachable professional in bridging finance, Sarah Barker is the ideal choice. I look forward to continuing our partnership and highly recommend her services to other brokers and clients alike.
Rishi Baungally Premier Gold
I can’t fault them. Their service continues to impress me along with the communication that you expect from start to finish! Exemplary!
Grant Poole-Adams Harvey Bowes
Regardless of the outcome of this case and whether or not we can get it over the line Friday or not, I just want to put on record how fantastic you have been with this case. The flexibilities and can do attitude that has been shown to try and facilitate this loan have been nothing short of absolutely brilliant and I wanted you all to know just how appreciative I am of all the hard work you have put in.
Stephen WattsBrightStar
This is the first time I have you Bridging Finance, I was put in touch with them by my Mortgage Brokers as my latest property purchase was not fitting with the conventional purchase method. I had a zoom call to start with, which was not as frightening as I had made it out to be in my mind, it was more who are you, what are you trying to achieve and how can we help you. My case Handler (Underwriter) was a lady called Catherine Pietersen and I can not thank her and the rest of the staff at Apex enough. She constantly kept me up to date on the progress via telephone and e mail. Twice when i thought my purchase had hit a brick wall and would not complete, like a guiding star she was able to find answers and ways to get my purchase over the line. I highly recommend Apex Bridging and would use them again
Mr R Gregory
Nioni was a breath of fresh air to work with—offering a great product with straightforward, no-nonsense underwriting requirements. Always finding ways to say 'yes' rather than 'no,' Nioni was consistently available to assist with any issues, making the entire process smooth and enjoyable.
Daniel KhanHank Zarih’s
Excellent Support on a Complex Case. We’ve just completed a fairly complex case with Apex Bridging, and I wanted to highlight the support we received — particularly from Catherine. It wasn’t the most straightforward transaction and required careful handling throughout. Catherine, as underwriter, was excellent. She was thorough but pragmatic, communicative at every stage, and clearly focused on finding solutions rather than obstacles. On bridging cases, that mindset makes all the difference — and her persistence and professionalism were key in getting this one completed. Nioni was also very supportive from the outset and worked with us to ensure the terms were structured in a way that suited the client’s position. That early flexibility helped set the tone for the deal. Overall, a strong experience with a lender that understands real-world property transactions and is willing to work collaboratively to get deals across the line. Thank you so much Alastair, Catherine and Nioni are thrilled with your feedback and we look forward to working with you again.
Alastair Collier Mortgage Lane
Sarah has been amazing! Her patience and professionalism is second to none. I experienced delay after delay from the seller during the course of trying to obtain the loan to buy a property to refurbish. She kept things moving forward and managed to get the loan/survey extended. It was a massive relief to finally get over the finish line!! Thank you very much!
J RobertsBorrower
Helpful, friendly and fast! My business partner and I were in need of quick, borrowed funds for a project that had come up and fortunately, due to the value of the deal, we were able to obtain 100% LTV on the purchase price. This helped us massively, as we appreciated that this level of funding very rarely happens, however Apex were amazing with the process from start to finish with great communication in between from Nioni. We would definitely use their services again and I would highly recommend to other investors looking for short term finance as the whole thing was seamless. Thanks again Nioni and Apex for your help in us purchasing our first property!
Alex Warrener Borrower
Easy to work with. Very helpful, professional and friendly company to work with, everything was clearly broke down and explained. Sarah Barker was underwriter who helped us through the process, made it very easy.
Ryan MooreBorrower
Very helpful on all aspects. Very efficient and delt with us professionally cheers Thank you for your review Clive, we look forward to working with you again.
Clive Eric Riley Borrower
Great customer service. I have been working with Apex for a few years now and I have always had quick responses and a good relationship with the underwriters and office team.
David
A wonderful, efficient and expert support from Apexbridging. We used this company recently for a complex purchase, which was a potentially difficult experience. Apexbridging could not have done anymore to ensure that was not the case. Sarah and her team are, quite simply, first class, supportive, friendly with incredibly clear communications. At no point were we ever left in any doubt as to what was needed by us.
Paul HillBorrower
Great experience, Sarah Barker who acts as the Senior Underwriter provided great experience and a clear line of communication. Despite the challenges we faced in the process we overcame each hurdle swiftly. Will most certainly use them again in the very near future once i have serviced this loan.
Gabos LondonBorrower
Had a really positive experience with the company. Nioni was amazing from start to finish. Answered all of my questions and kept me updated constantly throughout! She has been an absolute pleasure to work with!
Dani MortimerBorrower
Working with Nioni was a great experience. She made the mortgage process smooth and stress-free. Super organized, clear with communication, and always quick to respond to any questions I had. You can tell she knows her stuff and really cares about getting things done right. Highly recommend her if you want someone reliable and easy to work with.
Mohammed HussainBorrower
First time using Bridging Finance & impressed with the service we received from Nioni and the team. Nioni was always professional and timely in the responses and made the whole process very straightforward.
AnnaBorrower
We placed a very quirky property purchase case with Apex Bridging and within an hour Louise Thornhill had sent AIP terms. The case then went to the underwriter Nioni Kenny and was genuinely one of the most effortless cases we've processed for bridging. Nioni was there to help at every step along the way and if the client or I had any queries we would have a response almost instantly with updates provided along the way without needing to chase. Would highly recommend Apex Bridging and will definitely be using them again going forward.
Josh Jones Charles Frank Finance Limited
Five stars for Apex Bridging! I can't speak highly enough of the staff I dealt with at Apex Bridging who helped us complete a complicated property purchase for one of our clients. This was a challenge on multiple levels and ultimately, it was their patience and diligence that secured this for us, going above and beyond at every turn without any prompting from our side, a truly refreshing experience. I can't recommend them enough and will definitely seek to use them again.
STGrosvenor Capital Group
A pleasure to deal with.. Client approached me for help with an auction purchase after being messed around by another broker for 5 weeks. With 1 week remaining before notice was served and the client not having finance in place, I spoke with Louise (who was very helpful) and the ball was rolling. I was then introduced to Sarah who was underwriting my case and she was fantastic. I had Sarah's direct line and she would ALWAYS take my call whenever I needed - the support was amazing. Application submitted and through to completion within 2 weeks, it was concluded by the solicitors 30 mins before the final deadline. There are many bridging lenders who say they're quick and promise the world, but these guys are the real deal and will always find a solution to any hiccups that arise. I would not hesitate to recommend Apex to anyone.
Aled Wiltshire MGI Direct Limited
I can’t recommend Sarah & her team at Apex enough, really happy with the service and already lining up the next few prophecy’s with them
Paul DixonBorrower
The staff are a good bunch, knowledgeable, friendly, and helpful. I dealt with Nioni Kenny, all of those virtues apply to her. My experience with Apex and Niomi was great. Thanks RA
Ronnie ArmstrongMWA Financial Advice
Sarah was great to work with. Regular updates. Kept on top of legals and completed on time. 1st of many👌
Derek Robert Ramsay Rapid Business Loans
Sarah Barker was the underwriter for one of my clients needing Bridging Finance. She was absolutely fantastic, providing me regular updates and letting me know exactly what was outstanding. The solicitors on the clients side were difficult and took a long time to get through the requisitions but Sarah and Apex's legal team helped massively, explaining exactly what was needed and what was left to get done. Thank you so much for your assistance in getting this over the line!
Sophie Owens
On track at every stage of the application. Everyone at Apex ensured that this case progressed at pace at every step for the client, resulting in a very happy client who will be looking to use myself and Apex in the future.
James Oldham Positive Lending
Incredible service from start to finish. How refreshing to actually meet the underwriters of a lender who want to understand the deal and get to know you. We had a rushed completion due to the extra SDLT being thrown at us from Rachel Reeves in the budget, and then with 3 hours to complete before the very next day the deal cost us an extra £16000, I’m very happy to have had this lender on board who pulled out all the stops a day early and got the deal though just in time. Thank you! 🙏🏻
Louise SmithBorrower
I cannot praise Apex enough, from the start to the finish of a most difficult purchase , Apex helped me through the whole painful process . My case handler Sarah Barker was always at the end of the phone , with any advice or help that Sarah could offer . If anyone is looking for bridging finance at competitive rates , I would highly recommend Apex Bridging .
Anonymous customer
We work with Apex often and they always go above and beyond for every application. Their seamless process allows us to keep our clients informed at every stage of the process. We have recently completed an application with Nioni Kenny and she really did make everything so easy. She kept myself and the client updated and really did go above and beyond with everything. Nioni is such a kind and professional member of the team at Apex and i am looking forward to working on the next application together. Thank you Nioni 🙂
Emma Burley EMS
Just wanted to say thank you for all your support and believing in me. I truly believe that your trust in me enabled me to achieve the goal of redevelopment. I can’t thank you enough and looking forward to future projects.
Sarah Palmer
Apex are fast, efficient and friendly. Small enough to care. Big enough to cope. A true bridging lender who are happy to lend against open-market value of property (not just purchase price). An excellent team of experienced personnel who are a pleasure to deal with. Highly recommended.
Kit Thompson
Speed, service and flexibility. Staff are knowledgeable, proactive and above all, a pleasure to deal with. They have a proactive, can do attitude backed with excellent service from initial enquiry through to completion, we can’t recommend them highly enough.
Dave PinningtonDirector - Intermediary Relations Finance 4 Business
Exceptional Partner for Bridging Finance As a broker, I’ve had the privilege of collaborating with Sarah Barker from Apex Bridging, and I can confidently say she is an outstanding partner in the industry. Her deep understanding of bridging finance, coupled with her proactive approach, has made working with her an absolute pleasure. Sarah is highly knowledgeable and takes the time to understand both the broker’s requirements and the client’s unique needs. Her communication is second to none—she ensures that every step of the process is transparent, efficient, and tailored for success. What sets Sarah apart is her ability to navigate complex cases with professionalism and precision. Her dedication to securing the best outcomes for clients is unmatched, and her expertise has been instrumental in helping me deliver exceptional service to my clients. If you're looking for a reliable, skilled, and approachable professional in bridging finance, Sarah Barker is the ideal choice. I look forward to continuing our partnership and highly recommend her services to other brokers and clients alike.
Rishi Baungally Premier Gold
I can’t fault them. Their service continues to impress me along with the communication that you expect from start to finish! Exemplary!
Grant Poole-Adams Harvey Bowes
Regardless of the outcome of this case and whether or not we can get it over the line Friday or not, I just want to put on record how fantastic you have been with this case. The flexibilities and can do attitude that has been shown to try and facilitate this loan have been nothing short of absolutely brilliant and I wanted you all to know just how appreciative I am of all the hard work you have put in.
Stephen WattsBrightStar
This is the first time I have you Bridging Finance, I was put in touch with them by my Mortgage Brokers as my latest property purchase was not fitting with the conventional purchase method. I had a zoom call to start with, which was not as frightening as I had made it out to be in my mind, it was more who are you, what are you trying to achieve and how can we help you. My case Handler (Underwriter) was a lady called Catherine Pietersen and I can not thank her and the rest of the staff at Apex enough. She constantly kept me up to date on the progress via telephone and e mail. Twice when i thought my purchase had hit a brick wall and would not complete, like a guiding star she was able to find answers and ways to get my purchase over the line. I highly recommend Apex Bridging and would use them again
Mr R Gregory
Nioni was a breath of fresh air to work with—offering a great product with straightforward, no-nonsense underwriting requirements. Always finding ways to say 'yes' rather than 'no,' Nioni was consistently available to assist with any issues, making the entire process smooth and enjoyable.
Daniel KhanHank Zarih’s

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.

MEET THE APEX BRIDGING TEAM

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.

01509 345 009
chris@apexbridging.co.uk

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.

01509 648 125
sarah.anne@apexbridging.co.uk

Nioni Kenny

Business Development Manager

Nioni is our Business Development Manager making her the first point of contact for Brokers and direct borrowers. Nioni joined us from My Mortgage Specialist where she was a Case Manager. Nioni is CMAP qualified and 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.

01509 648 671
Mobile: 07340 998468
nioni.kenny@apexbridging.co.uk

Sarah Barker

Senior Underwriter

Sarah joined Apex as an experienced Lending Administrator and has now progressed to be our Senior Underwriter in our 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.

01509 648 672
sarah@apexbridging.co.uk

Catherine Ward

Underwriter

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.

01509 648 672
catherine@apexbridging.co.uk

Louise Thornhill

Underwriter

Louise has joined us from Your Move, but has previously worked at Zebra Finance as an Underwriter. Having worked within the Financial Service industry since leaving school, including The Nottingham and a local Mortgage Brokers. In her spare time, she enjoys spending time with her daughter and their dog, Bronte.

01509 648 675
louise.thornhill@apexbridging.co.uk

Sophie Lunn

Trainee Underwriter

Sophie joined Apex Bridging as a Trainee Underwriter, bringing experience from the hospitality and leisure sector. She is excited to develop her skills and knowledge within financial services. Outside of work, Sophie enjoys relaxing with a good film and a cup of tea.

01509 648 676
sophie.lunn@apexbridging.co.uk

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.

01509 680 074
steph@apexbridging.co.uk

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.

01509 345 007
enquiries@apexbridging.co.uk

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.

01509 680 059
enquiries@apexbridging.co.uk

Charlie

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!

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