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We specialise in bridging finance
secured over UK property.


Borrower ethos

Our ethos is to find as many ways as possible to say “Yes” to a loan, simply and responsibly.

Somo is a second generation family of property bridging lenders. With a friendly team that’s always on hand to help, we use our many years of experience, combined with advanced technology, to quickly make sensible decisions that help find funds fast.

Borrower choice

You choose the loan term and whether to pay the interest monthly or pay it at the end.

Representative example: Based on interest only bridging loan. If you borrow £100,000 over 1 year at a rate of 0.6% pcm / 7.2% p.a fixed for the term, you will pay 12 instalments of £600 per month and a total amount payable of £109,850. This includes repayment of the net loan, interest of £7,200, an arrangement fee of £2,000 and administration fee of £650. The overall cost for comparison is 9.85% APRC.

Up to
70% LTV.

All statuses, many purposes,
arranged quickly, secured
over UK property.


Broker ethos

We like to think of our brokers and introducers as part of the Somo family. Like family, there’s no challenge we can’t find a solution to if we work together.

Somo honours the special relationship that Brokers have worked hard to create with their clients and our ‘blended service’ means you focus on what you do best, managing the client and the case, whilst we do the heavy lifting. Somo will process the application, instruct valuations, organise 2nd charge consent and process the legals whilst providing as much support as the case needs – all directed by you.

“I found the team experienced, patient, helpful and efficient to work with. I appreciated the extra time in explaining the process, because in the current climate very good assistance can be hard to find.”

Mike Thompson, Mike Thompson Partnership Limited

This testimonial has been freely given and can be evidenced.


Investor ethos

Our ethos is to prioritise the quality of our loans, not the quantity – on occasion lending less money than our peers as we seek to prioritise the safety of our loans over the volume. As such, we seek to grow our business by only financing loans that we would be willing to invest in ourselves.

Investor security

All of Somo’s underlying loans are secured over UK property by a short-term mortgage or legal charge. In the event that the borrower fails to repay the loan, then the loan may be recovered by repossessing and selling the property subject to the value of the property when it is sold. Please note, this may take time and may create added costs.

All loans are
secured over
UK property.

Over £260,000,000
lent to date

The Somo team has underwritten over £260,000,000 from 2014 to 2023. The company formed from a 2nd generation family of bridging lenders and now boasts experts from property, finance and legal backgrounds. The team has a combined 250+ years of lending experience.


Institutions ethos

Somo offers banks, institutions, hedge funds, family offices and financial advisors unique investment access to bridging loans secured over UK property.

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0161 312 56 56