About SNM Bridging Finance
SNM Bridging Finance is operated by SNM Finance Ltd, based in Watford, Hertfordshire. The business is directed by Sumith Jayasingha, who founded S&M Financial Planning Ltd over a decade ago providing mortgage broking and finance services to clients across Watford and London before expanding into direct bridging lending. Sumith's background spans accountancy, retail banking and specialist finance — the same practical blend that shapes how SNM approaches underwriting decisions today.
In January 2026, SNM became a lender member of the Bridging & Development Lenders Association (BDLA), joining a membership community with a collective loan book of over £13.7 billion. The BDLA membership signals a commitment to industry standards and transparency that matters both to brokers and to borrowers navigating the short-term lending market.
SNM operates as an asset-backed lender focused on speed and clarity. Decisions are typically reached within 24 to 48 hours of a complete enquiry, and the team coordinates property valuation and legal paperwork to keep the process moving once terms are agreed.
Bridging Loans from SNM Bridging Finance
SNM lends from £50,000 to £2.5 million, with terms from 1 to 24 months and LTVs up to 75%. Rates are priced per case. Residential, commercial and semi-commercial property across the UK. No fees or charges for early repayment. Decisions typically within 24 to 48 hours.
What Can SNM Bridging Finance Finance?
- Residential investment bridging
- Commercial and semi-commercial property
- Auction purchases
- Refurbishment and development
- Business cash flow bridging
How to Apply with SNM Bridging Finance
SNM Bridging Finance works through commercial finance brokers and directly with borrowers. Enquiries go to [email protected] or by phone on 01923 751 215. The team is based at 223 St Albans Road, Watford WD24 5BH.
Contact
Address:
SNM Finance Ltd
223 St. Albans Road, Watford, WD24 5BH
Phone:
01923 751 215