Apex Bridging

About Apex Bridging

Apex Bridging — trading name of HBB Bridging Loans Limited — operates from Kegworth, Leicestershire, and has built a reputation for doing what many lenders won't: say yes to borrowers with complex situations, adverse credit histories, and unconventional properties. They don't credit score. Instead, every application is reviewed on its individual merits by an underwriter who is directly contactable throughout the process.

The lender is unregulated, meaning it does not offer loans secured against a borrower's primary residence. That focus keeps things clean — Apex deals exclusively with investment and refurbishment scenarios where speed and practical underwriting matter most. Funds have been released within seven days on straightforward cases, and brokers consistently report that the same team members see each deal through from initial enquiry to completion.

One standout feature: no exit fees. That's not common in the sector, and it matters if your client's project overruns or the exit timeline shifts.

Bridging Loans from Apex Bridging

Apex lends between £75,000 and £1 million on interest-only terms, with loan terms typically running from 3 to 12 months. LTVs go up to 90% — significantly higher than the 65–75% offered by most bridging lenders — and loans are assessed on Open Market Value (OMV) rather than the more conservative approaches used elsewhere. Below Market Value (BMV) properties can be funded up to 100% of the purchase price in the right circumstances.

Rates start from 0.995% per month, with the rate depending on LTV and loan structure rather than credit profile.

What Can Apex Bridging Finance?

• Residential investment property purchases
• Refurbishment and renovation projects
• Auction purchases requiring rapid completion
• Refinancing of existing short-term loans
• Below market value property acquisitions
• HMO conversions (subject to criteria)

How to Apply with Apex Bridging

Apex works exclusively through intermediaries and specialist brokers. All enquiries are directed to their Kegworth office, where you'll deal with the underwriting team directly — no call centres, no account managers as a layer between you and the decision. Cases are assessed the same day in most instances, and indicative terms can be agreed quickly for straightforward residential transactions.