Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment,
and you are unlikely to be protected if something goes wrong.
Take 2 mins to learn more.
Steve Dolmor, Head of New Business at Somo, explains tech doesn’t replace people, it supports them. Just like spreadsheets didn’t make accountants redundant, AI won’t make brokers or sales teams disappear.
Stamp duty receipts have jumped 22% in just 12 months - and with the Autumn Budget looming, landlords, property investors and SMEs are facing mounting uncertainty about what comes next.
Somo, the award-winning bridging lender, has announced a Free Valuations promotion running throughout October 2025, offering brokers and borrowers the opportunity to save up to £3,000 on valuation fees.
Rising interest rates and tight lending criteria are creating funding challenges for UK property investors and developers. Somo's business bridging finance offers fast, flexible short-term loans (1-24 months) for refurbishment, development and refinancing.
Sales Director Jade Keval explores what possible changes to stamp duty, regional spending, and interest rates could mean for the specialist finance market.
New to bridging finance? Somo’s Phoebe Shaw explains what bridging loans are, who they’re for, and why brokers should see them as a flexible problem-solving tool.
Discover how much you can borrow with a bridging loan in 2025 with Somo. Learn loan amounts, LTVs, timelines, and requirements. Get a quick quote today.
Somo is bringing back last year’s popular offer, with 90% off Valuation Fees on all deals locked in between 1st and 29th August, plus a free beer to celebrate.
Log in to view the full investor site and our loan opportunities:
Thank you for enquiring.
One of our Relationship Directors will be in touch shortly with an introduction to Somo’s products, rates and criteria.
Estimated reading time: 2 min
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.
What are the key risks?
1. You could lose all the money you invest
If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.
Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.
2. You are unlikely to be protected if something goes wrong
The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here.
The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm. Learn more about FOS here.
3. You are unlikely to get your money back quickly
This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money.
You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.
4. This is a complex investment
This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests in, other businesses or property. This makes it difficult for the investor to know where their money is going.
This makes it difficult to predict how risky the investment is, but it will most likely be high.
You may wish to get financial advice before deciding to invest.
5. Don’t put all your eggs in one basket
Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
