Apex Bridging

Apex Bridging: short-term residential lending with a common-sense approach

Apex Bridging is a UK lender focused on interest-only short-term loans secured on residential property. Its stated proposition is to assess applications on their merits rather than through automated credit scoring, taking what the company describes as a common-sense approach to lending. The lender presents itself as accessible to brokers and their clients, with direct contact to underwriters and decision-makers from the start of a case through to completion.

Loan range and terms

The company offers bridging loans of between £25k and £1m for terms of up to 12 months. Loans are typically structured to run 6 to 12 months, with a minimum of four months' interest payable. Facilities are secured on residential property, and the lender specifies that it does not lend on land with planning permission. The loans are described as unregulated, which the company presents as reducing administrative friction and allowing faster release of funds.

Funding purposes cited include purchasing, refurbishing or refinancing a property. Apex Bridging lends against On Market Value (OMV) and states that it works at higher loan-to-value levels than most providers, up to a maximum of 95% LTV. On Below Market Value properties, it indicates it can lend up to 100% of the purchase price.

Auction-specific product

For auction purchases, the lender advertises a dedicated product of up to 95% LTV of OMV on loans between £75k and £1m. This auction-only facility is not available through the online loan calculator, and the company directs auction enquiries to its team directly.

Valuation and underwriting

Apex Bridging states that it does not request unnecessary timber, damp or structural condition reports, relying instead on a RICS valuation. According to the company, property condition is not a determining factor, which it says reduces time, cost and hassle and speeds up the issue of a formal offer. Applications are considered across all financial situations, and the lender states that no credit check is required.

Ownership and track record

The lender describes itself as a lending business backed by property experts. Its parent company, HBB Relocation Services Ltd, is said to have traded £500m of business over the last 10 years.

Client and broker feedback

The site publishes verified client testimonials that repeatedly reference named underwriters and staff, including Catherine, Nioni, Sarah Barker, Louise Thornhill and Alastair. The accounts describe complex or auction-related purchases completed within tight deadlines, direct telephone access to underwriters, and rapid responses to queries. Several reviewers identify themselves as brokers or borrowers, and some mention repeat use of the lender. These are individual accounts rather than an aggregate rating.