About the brokerage
About Bridging Loans Norfolk
We sit between Norfolk investors, owner-occupiers and developers and the eight bridging lenders who price the work. Independent of any one funder, packaging biased to whatever moves your deal.
Who we are
We are a bridging brokerage covering Norfolk and the wider East of England property market. Bridging is what we do every working day. Not a side product alongside term mortgages, not a referral relationship we maintain in case a client asks. The whole desk wakes up to auction calendars, refurbishment timelines, and the same eight lender contacts who price our work week in, week out. That focus is the point of working with us rather than a generalist mortgage broker.
How we got here
From single-deal packagers to a Norfolk desk.
The brokerage grew out of a packaging team that had been arranging short-term property finance for East Anglian investors since the post-2018 specialist-lender expansion. The shift from a few personal contacts at MT Finance and Together to a settled eight-lender panel happened gradually, as deal volume justified treating bridging as a discipline rather than an occasional product. By 2023 the desk was packaging more bridging loans than any other product line. In 2024 the team split the bridging book out under its own brand to remove confusion with high-street term lending.
Today the Norfolk desk handles enquiries from auction buyers across NR1 to NR4 in Norwich and the regional rooms, owner-occupiers chain-broken between Wymondham, Aylsham, Holt and the wider county, BTL landlords running refurbishments across the Norwich terraced stock and the Great Yarmouth NR30 flats, holiday-let investors buying and upgrading on the North Norfolk Coast at Cromer, Sheringham, Wells-next-the-Sea and Hunstanton, and developers exiting practical completion in the Greater Norwich growth corridor, King's Lynn, Thetford and the Attleborough fringe. The case mix is roughly two-thirds unregulated investor work, one-third regulated owner-occupier bridges introduced through our FCA-authorised partners.
What we are
A brokerage, not an adviser, and not a lender.
We arrange short-term property finance secured against UK property. We are a broker. We package the case, negotiate terms across the lender panel, and run it through to completion alongside the borrower's solicitor and the lender's legal team. We do not lend our own balance sheet and we do not advise. For regulated bridging, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, we introduce clients to FCA-authorised partners who carry out the regulated activity and provide any required advice. We are not directly FCA-authorised. For unregulated bridging on commercial, investment, BTL, holiday-let and refurbishment property, we package and place the case directly.
That separation matters. A broker who advises has to file recommendations and document why they fit the client's needs. We are not that party. We are the people who know which lender will price your specific deal sharpest this week, which valuers turn around the postcode area fastest across NR, PE and IP, and which legal teams have the auction-pack appetite to complete inside 14 days.
The lender panel
Eight specialists who cover the bridging map.
We work most regularly with eight bridging specialists: MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest and Octopus Real Estate. Between them they cover regulated owner-occupier work, standard unregulated bridges, refurbishment to BTL exit, heavy refurb with structural change, development exit, and second-charge cases. Beyond the headline panel we maintain working relationships with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore and Kuflink for cases that price better with them.
We do not claim whole-of-market reach. The panel is curated, with each lender priced and pitched for the case types they handle well. Sending a heavy refurb HMO conversion in NR2 to a fast-turnaround standard bridger wastes a week. Sending a clean 65% LTV chain-break case in Holt to a heavy-refurb specialist wastes basis points. The packaging discipline is matching the case to the right desk first time.
Where we work
Norwich, Norfolk and the wider East of England.
The home base is Norwich. The bulk of our case flow runs through Norwich NR1 to NR4, Wymondham, Aylsham, North Walsham and the Greater Norwich growth corridor. We work across the rest of Norfolk including Great Yarmouth and the offshore-wind hub on NR30 and NR31, King's Lynn and the western PE postcodes, Thetford and the Breckland corridor down to Diss and Harleston, and the North Norfolk Coast AONB at Cromer, Sheringham, Wells-next-the-Sea and Hunstanton where holiday-let cases anchor a steady book. We also handle Dereham, Fakenham, Swaffham, Downham Market, Attleborough, Holt and Watton case flow on the same panel and the same timelines.
Beyond the county boundary we lend across the wider East of England region into Suffolk, Cambridgeshire and parts of Lincolnshire where the deal flow and the lender panel both make sense. Distance from Norwich is rarely the limit on whether we take a case. The limits are the strength of the security, the credibility of the exit, and whether the property type sits inside the bridging lender appetite. We turn down work where the exit is hand-waved or the security is thin. We say yes where the deal is real and the numbers work.
Regulatory note
Regulated bridging finance, where the loan is secured against a property occupied or to be occupied by the borrower or an immediate family member, is regulated by the Financial Conduct Authority. Unregulated bridging finance, including loans secured against commercial property, investment property, buy-to-let, and refurbishment projects, is not regulated by the Financial Conduct Authority. We are not directly FCA-authorised. For any regulated bridging requirement we introduce clients to FCA-authorised partners, who carry out the regulated activity and provide any required advice. We do not give advice on regulated mortgages, regulated bridging, or investment products.
Next step
Talk to a Norfolk bridging desk.
A 15-minute triage call usually answers the practical questions: rate band, LTV, term, fees, completion window. Indicative lender terms typically follow inside 24 hours. We are at our most useful when the case has a clock on it.