Lender Spotlight: Apex Bridging - The Sub75k Solution
When traditional lenders shy away from bridging loans under £75k, Apex Bridging steps in with specialized, fast-acting products that allow property investors to move quickly on smaller, high-yield assets.
The Gap in the Market
Many major UK bridging lenders have minimum loan sizes of £100,000 or even £150,000. This leaves property investors who target cheaper, high-yield properties in the North and Midlands struggling to find short-term finance. Apex Bridging has carved out a unique niche by explicitly targeting this sub-£75k market.
Key Product: The Sub75
Apex Bridging's "Sub75" product is designed specifically for loan sizes between £25,000 and £75,000. While the rates start slightly higher at 1.5% per month, the speed and flexibility they offer are unmatched for this loan size. Investors can secure up to 75% LTV, and Apex is known for a streamlined underwriting process that minimizes the typical bureaucratic hurdles.
Standard Bridging at 90% OMV
For larger properties, Apex is also highly competitive. Their standard bridging product offers up to 90% OMV Freehold and considers lending over 100% of the Purchase Price when factoring in Stamp Duty Netting. This makes them a powerful ally for aggressive property developers who want to stretch their capital as far as possible.
Why We Partner with Apex
At Phantom Finance, we understand that every deal is unique. Having a panel lender like Apex Bridging means we can source reliable funding for almost any size of asset, giving our investors the confidence to bid on auctions or secure fast completions without fear of funding falling through.