A well-established rural business in Worcestershire required a structured refinance to protect trading continuity and redeem an outgoing facility that no longer suited its needs. The Challenge The priority was clear but time-sensitive: refinance cleanly, maintain operational stability and avoid disruption to day-to-day trading. The complexity lay not just in the refinance itself, but in the nature of the security and the coordination required to execute it cleanly. The securi

But making bridging easier doesn’t just come down to great products, it’s about our people -  people who understand the detail, the regulation, the structuring, the risk and the relationships that sit behind every deal. That’s why we built the Somo Sales Training Academy.

TL;DR A well-established day nursery in Hertfordshire needed urgent funding to replace an unsuitable short-term facility, meet payroll deadlines, and inject working capital to support growth. Somo structured and delivered a 12-month first charge bridging loan using third-party residential security. Overview Location: Hertfordshire, UK Facility: 12-month first charge bridging loan Gross loan: £260,000 (net £218,270) Security: Director’s mother’s residential property (third-par

Somo has launched the Landlord’s Breathing Space Loan - a property-backed bridging loan for landlords facing Renters’ Rights Act 2025 changes. Get up to 24 months with no monthly payments, loans from £25k–£3m, flexible exits, and asset-led decisions to stabilise cashflow, clear arrears, fund works or refinance.

Discover how Somo refinanced a £570,000 defaulted bridging loan with a second-charge facility at 62% LTV, secured on a £2.5m Brighton buy-to-let. Despite the existing loan being in default and accruing default interest, strong security, clean credit, a clear sale exit and additional borrower funds enabled completion at a market-leading 0.87% per month, repaying the previous lender in full and moving the client onto a stable 12-month term.

Specialist property finance lender Somo has announced the appointment of Lyam Denney as Relationship Director for London, further strengthening its commitment to brokers in the capital and expanding its London-based relationship team to three.

Relationship Director, Ben Rose, discusses how Somo supports clients facing adverse credit with flexible, judgment-free bridging loans. Learn about our Lifeline Loan, designed for complex cases, insolvency, and debt restructuring. Fast decisions, dedicated support, and real solutions when traditional lenders say no.

Summary Somo, the specialist UK bridging lender, welcomes the Bank of England’s 0.25% base rate reduction and has confirmed competitive rate reductions across its key first and second charge products. The adjustment is designed to support landlords, buy-to-let investors and UK businesses in accessing quick, affordable short-term funding at a time when certainty and cost control are critical. Following the BoE’s decision to lower the base rate to 3.75%, Somo has reduced its br

Discover how Somo made bridging loans simpler in 2025 by cutting rates, launching new products and supporting brokers with award-winning service, record growth, and a renewed commitment to making bridging easier in 2026.

Discover why 2026 is set to be a breakthrough year for second charge bridging loans. Explore market trends, borrower benefits, and expert predictions from Somo.

Somo has been shortlisted for three prestigious titles at this year’s NACFB Commercial Lender Awards.

Jaime-Leigh Johnson, Relationship Director for Somo’s direct-to-borrower bridging business. Whether you’re navigating a straightforward transaction or tackling a complex scenario, Jaime is here to help you every step of the way and no question is too basic or too intricate.

"Landlords and investors are now contributing far more stamp duty than before. With another budget weeks away, there is real uncertainty about what comes next for their increasingly eroding yields."

TL;DR: 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 - with decisions based on asset value, not the borrower’s credit file. Ideal for auction purchases, commercial conversions, and time-sensitive opportunities across the UK. Table of Contents The Remortgaging Wave and R

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 £5,000 on valuation fees.

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.

We completed a £215,250 bridging loan on a 6-bed HMO in Luton in just 14 days using Somo Prime. Learn how our fast, structured lending supports prime borrowers.

In this guide, we’ll walk you through what bridging loans are, how they work, the difference between regulated and unregulated options, and how to apply. Whether you’re a first-time borrower or looking for a faster way to fund your next venture, this step-by-step breakdown will help you decide if bridging finance is right for your UKbusiness in 2025.

Somo offers bridging loans even if the borrower has adverse credit. Our Valuation Only™ product focuses on the property’s value, not the borrower’s credit score. That means, no proof of income, no clean credit, no evidence of an exit strategy - no problem.