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Director’s comments

 
Andre Barlett, CEO & Co-Founder at Capital B Property Finance, comments:
“These figures point to a bridging market that’s become more efficient and more considered. Rates and completion times are at some of their lowest levels in years, which reflects stronger lender competition and better broker–lender processes. At the same time, lower average LTVs show a continued focus on sensible risk. The growth in regulated refinances and re-bridging tells us borrowers are using bridging more strategically, not just as a last resort. Overall, it feels like a more mature, outcome-driven market.”

Shane Chawatama, Sales Director at Knowledge Bank, comments:
“The increase in searches around planning permission and splitting title deeds on Knowledge Bank is a strong signal that property investors are becoming more creative and strategic with their portfolios. Rather than stepping back, advisers are clearly working through more complex asset structures, value-add opportunities and alternative exit strategies. This sits alongside continued interest in adverse credit criteria, suggesting that while some investors are navigating credit challenges, the focus remains on restructuring and optimisation rather than distress. For lenders, this underlines a growing opportunity to support sophisticated, criteria-led transactions where clarity and flexibility are just as important as price.”

Raphael Benggio, Bridging Director at MT Finance, comments:
“It is encouraging to see that investors and landlords seem to be returning to the market. November’s Budget wasn’t as disastrous for the property sector as many feared and instead it has largely been a case of business as usual. There is a lot of liquidity and lenders certainly seem to be competitive with their rates, which is great news for borrowers. It is also encouraging to see the downward trajectory of average completion times and just shows how useful bridging is for those facing tight deadlines.”