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.

As we step into 2026, we wanted to ensure you didn't miss our 2025 recap, brought to you in a video exclusive over the Christmas period, so here’s another snapshot of the success we achieved together in 2025.

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.

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 sever

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.

In a world where automation and AI are reshaping finance, you could be forgiven for thinking that technology has all the answers. From instant decisions to algorithmic lending, many areas of the market are racing to remove people from the process. But in bridging, success still comes down to human relationships. Every case is different, every borrower story unique and no amount of automation can replace the experience, creativity and collaboration that brokers and lenders bri

The UK bridging investment market continues to attract savvy investors like you and it’s clear why. Short-term, property-backed lending has proven itself as a source of strong returns. But even in a competitive field, some platforms stand out more than others. This year, Somo has cemented its position as a market leader, delivering returns that outperform other top lenders in the space. With more than a decade of trading behind us and zero capital losses throughout that time

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.