Our Lending Criteria
Borrow Between £75k – £1m with low bridging finance rates and loans of up to 90% LTV
Borrow Between £75k – £1m and Get Funds Released within 7 Days
We ignore the Purchase Price and work off Open Market Value when setting our LTVs, lending up to 100% net of purchase price on Below Market Value properties.
- Lend up to 90% open market value, day 1, for refurb purchases or any property where there is room to uplift the value
- Max 80% GDV
- Heavy refurb accepted and encouraged
- Conversions accepted
- Lease extensions accepted
- All construction types considered
We have a simple underwriting process which is designed for speed. We have no strict conditions on the borrower where all adverse credit is considered and we don’t credit score.
We provide feedback on the property value and market strength at the enquiry stage, and you get to speak directly to the underwriter throughout the process.
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 Why Work With Apex
- 2% proc fee
- No hidden costs or charges, no exit fees
(minimum 4 months interest payable) - One product for all lending – rates start at 0.995%
- Exclusive access to BMV property available for sale around the UK
Notable Exclusions
- Regulated loans
- Commercial property
- Ground up developments or large build costs needed
- Conversions currently without planning

