Lender Profile
Apex Bridging Bridging Loans
Specialist short-term lender — direct underwriting and fast decisions.
About Apex Bridging
Apex Bridging is a specialist UK short-term property finance lender. Their direct lending model — they fund cases from their own balance sheet rather than syndicating — supports faster, more decisive underwriting than mainstream alternatives.
Products cover residential, semi-commercial, and commercial bridging, with refurbishment finance available. First and second charges both supported on suitable property.
Product range: Standard bridging (residential, semi-commercial, commercial), refurbishment finance, second charge bridging, and developer exit.
Best for
- Cases where speed and decisiveness matter more than rock-bottom rate
- Residential and commercial bridges of varying complexity
- Borrowers who want a direct conversation with the lender
- Second charge bridging behind an existing mortgage
Key facts
- Min Loan
- £50,000
- Max Loan
- Confirmed at quote
- Max Term
- Up to 24 months (unregulated)
- Max Ltv
- Up to 75% (residential 1st charge)
- Fee
- Lender arrangement fee — typically 2%
- Regulated
- Unregulated focus; regulated cases by referral
- Interest Structures
- Retained, rolled-up, or serviced
- Completion
- Direct lender — typically 2-4 weeks for clean cases
Pros
- +Direct lender — own balance sheet, decisive answers
- +Residential, semi-commercial and commercial all in scope
- +1st and 2nd charges both supported
Cons
- −Primarily unregulated — owner-occupier deals need a different lender
- −Specific terms confirmed at quote
Apex Bridging FAQs
Is Apex Bridging a direct lender or a broker?
Apex Bridging is a direct lender. They fund cases from their own balance sheet, which means decisions are made in-house rather than going through a committee or syndicate.
Do they offer second charge bridging?
Yes — second charges are part of their standard offering, subject to consent from the existing first-charge lender.
Apply for a Apex Bridging bridge
We'll match your case against Apex Bridging's criteria first — and the rest of our panel — to find the cheapest fit.