Apex Bridging
Specialist LenderApex Bridging is a London-based bridging finance provider delivering short-term lending solutions for property investors and developers. The lender focuses on speed of execution and clarity of process, offering straightforward bridging products for acquisitions, refinance, and light refurbishment.
About Apex Bridging
Apex Bridging operates from London and was set up to offer a streamlined, no-nonsense bridging finance service. The lender recognised that many borrowers in the short-term market need two things above all else: speed and certainty. Apex was built to deliver both.
The lender provides first-charge bridging loans on residential and commercial properties across England and Wales. Typical scenarios include property purchases below market value, auction completions within tight deadlines, chain-break situations, and short-term refinance. Apex Bridging focuses heavily on the quality of the exit strategy and the underlying security value.
Apex Bridging is broker-only and has built relationships with specialist intermediaries who value straightforward processes and reliable service. The lender prides itself on giving clear answers quickly, avoiding the delays that can characterise some parts of the bridging market.
Lending Focus
Apex Bridging offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Streamlined bridging process designed for speed and certainty
- First-charge bridging on residential and commercial assets
- Ideal for auction purchases, chain breaks, and BMV acquisitions
- Clear answers provided within 24 hours of enquiry
- Focus on exit strategy quality and security fundamentals
Pros & Cons
Pros
- Fast, no-nonsense approach to bridging applications
- Quick indicative decisions — typically within 24 hours
- Clear communication and transparent throughout the process
- Straightforward products designed for professional investors
Cons
- –Broker-only — no direct applications accepted
- –Does not offer development finance or second-charge lending
- –Not suitable for borrowers with adverse credit histories
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted upon application
- Early Repayment Charge
- No ERC — interest retained or minimum interest period applies
- Overpayment Allowance
- No restrictions — early repayment welcome at any time
Mortgage Rates
Rate data coming soon. View rates on Apex Bridging
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 1–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
What types of bridging loans does Apex Bridging offer?
Apex Bridging offers first-charge bridging loans for property purchase, refinance, capital raise, and auction completions, secured against residential and commercial property.
How fast does Apex Bridging make lending decisions?
Apex Bridging typically provides indicative terms within 24 hours of receiving a full enquiry, with formal offers following subject to valuation and legal due diligence.
Does Apex Bridging accept limited company borrowers?
Yes, Apex Bridging lends to limited companies, SPVs, and individual borrowers depending on the nature of the transaction.
What is the maximum LTV available from Apex Bridging?
Apex Bridging typically lends up to 75% LTV, subject to the property type, location, and the strength of the exit strategy.
How to Apply
Broker only. Apex Bridging products are available through mortgage brokers. Find a broker with Apex Bridging on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Ascot Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
| BIG Property Finance | Commercial, Bridging, Development+1 | Specialist | 75% |
Related Articles
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