Worried AI will replace brokers? Steve Dolmor from Somo explains why tech supports people, not replaces them. Relationships and trust still win deals.

UK bridging lender Somo has launched a capital loss guarantee, offering investors protection on up to the first 10 per cent of any loss on second charge property loans. The Second Charge Limited Capital Loss Guarantee will apply to all loans originated after 1 November 2025, with aggregate coverage capped at £1.2m, the firm said. Loans made before that date will not be covered. Somo said the scheme provides “direct, transparent and defined coverage”, unlike more complex cre

Discover why sophisticated investors are adding property-backed lending to their 2025 portfolios. Loans are backed by UK brick and mortar, returns can often be higher than traditional bonds and Somo have had zero capital losses to date.

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.

Speed matters in bridging finance, but brokers who invest time understanding clients, anticipating challenges, and building relationships create lasting value. I's a holistic approach - combining speed with insight to build trust that deliver sustainable, lasting relationships between brokers and clients. This blog is inspired by a recently published article in the NACFB Commercial Broker Magazine, of which Somo is a Patron Lender of.

"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.

As investors reviewing the property-backed lending landscape, you may already have noticed the rising prominence for second-charge bridging finance, particularly as we move into 2026. At Somo, we see this shift first-hand. Read our Director of Investor Relations perspective on the common misconceptions around second-charge loans - and why the latest numbers suggest they’re becoming an increasingly important part of the 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.

Louis Alexander, chief executive of Somo, discusses how property-backed private lending has shown resilience during global market turbulence, consistently delivering higher, stable returns compared to equities and traditional lending. In the UK, Somo demonstrates how private credit is emerging as a reliable, high-growth investment strategy, offering security, diversification, and long-term performance for sophisticated investors.

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.

We’re incredibly proud to announce that Somo has been named Best Regional Bridging Lender of the Year at the 2025 Bridging & Commercial Awards.

It's back! Don't miss out on last year's most popular promotion - Free Legals. Lock-in a deal with Somo this May and we'll pay your lender legal fees up to £2,000*.

Publication, Alternative Credit Investor, has reported on Somo's recent success at court against borrowers who attempted to evade repayment, reinforcing our commitment to protecting investor capital through robust documentation and diligent underwriting. Read the full story below:

We’ve been ranked No. 1 for best financial health by alternative Investments ratings and research firm, 4thWay for the second year running. Plus we’ve proudly maintained our +++ ‘Exceptional’ rating into 2025. In 4thway's latest review, Neil Faulkner also talks about why a Lending Platform’s financial health is always going to be a priority for Investors. Why? Because a business a profitable business reduces the risk of closure. And closure can create uncertainty around loans