For landlords navigating today's turbulent property landscape, a landlord loan in the form of a bridging facility can provide exactly what the market demands: speed, liquidity, and breathing space.

Summary Somo provided a £1,645,000 bridging loan at 70% loan-to-value (LTV) to refinance an expiring loan on a converted London mansion. The borrower required an additional nine months to market and sell the property after their existing lender declined to extend the term at the same interest rate. Using Somo’s Standard Bridge product, the refinance was completed in 14 working days, repaying the outgoing lender and releasing £100,000 in additional capital for the borrower to

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

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.

Overview We’re passionate about helping people find a way forward with their business ventures, especially when the financial situation is complicated. In this recent case, a couple came to us facing serious business debt. By working closely with them and using our unique Valuation Only™ bridging loan, we were able to provide the support they needed to get back on track. The Client’s Challenge A married couple running their own business in Manchester approached us with severa