Bridging Finance

We are a principal lender who can act quickly and with flexibility

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As with most bridging lenders, we will lend for any purpose and offer loans typically between 3-18 months. We require property as security and are always competitive in our rates.

Where we differ is this: we lend our own money, offer rates on a deal by deal basis and guarantee you will be dealing directly with an underwriter. 

We are first and foremost a short-term, property-based lender, offering loans of between £100,000 and £2.5million. We lend for acquisitions, refurbishments and re-financing existing debt on residential, commercial and mixed-use properties across England and Wales.
We will lend up to 75% LTV, but crucially can lend up to 100% on purchase price when valuations or additional security are taken into account. 
We lend against both first and second charges. 
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Having financed a few projects so far with Nick I am always very happy to use him. He’s fast, extremely reliable and you always get straight answers which isn’t a given with others. He also offers a brokering service and his experience and ability to perform really shine through. Thoroughly recommend!

Sammy A, Broker

Nick Young has always delivered on my projects, for both residential development and funding for my hotels. I happily recommend fellow business owners to Nick and B Y Loans for their funding needs.

LB, Property Entrepreneur

I never have any hesitation bringing borrowers to Nick; B Y Loans always make sure that every case is assessed quickly and on an individual basis. They have been incredibly easy and professional to work alongside with.

Neil H, Broker