Refurbishment Bridge

I’ve recently completed the refinance of a second-charge bridging loan and had a very positive experience. Regular communication with both the Relationship Director, Shahed, and the Underwriter, Agne, made the process smooth and efficient throughout. We completed on time, which provided my client with the flexibility needed to proceed with the sale of the property. Highly recommend their support and professionalism.

First time I have worked with Black & White and first impressions were that they are very professional, pro-active and have a willingness to lend! The loan size was probably the smallest I have every been involved in, but from the way that the team dealt with it, you would have have though it was for a much larger amount. Well done to all that were involved and a special thanks has to go to Suze & Nick!!

Great service quick responses and sensible solution focussed decisions through the underwriting and legal process. 5 stars Rick Davey delivered on his promises. Many thanks to everyone for a job well done.

From the lenders we spoke to B&W were able to provide the largest loan figure that suited the client needs. Rick the BDM was really helpful. Agne was the case manager and really helpful and responded to quickly to queries. Our case was complicated with a down valuation, but together we were able to provide solutions to keep the deal live.

Complex case which involved two second charges on residential properties to reverse a directors loan. market leading rate and great service. Thank you Black & white, client very happy!

Really pleased with the service from B&W Bridging. Both Shahed and Jess were brilliant throughout, always communicative, friendly and on the ball with updates. They kept everything moving and we completed on time. Would highly recommend.

Excellent service and communication from Mike, Agne & team. Highly recommended. Happy customer means a happy broker.

Dealing with Black and White Bridging was an outstanding experience and one of the best I’ve had working with a lender. The process was clear from the outset, and the client’s requirements were fully understood and delivered. The purchase of a luxury property with a bridging loan of just under £2.9m was handled smoothly and efficiently, with excellent communication throughout. Working with Dan and Suze felt like having my own in house team highly responsive, solutions focused, and supportive at every stage.

Black & White bridging were first class… Black & White bridging were first class in sorting out an urgent refinance bridge with capital raise to place my client back in control - from Rick Davey at the outset and with Agne the service has been excellent in handling a number of hiccups so effectively and liasing with solicitors to meet the tight deadline brilliant teamwork

Always my 1st choice for bridging finance excellent service from the whole team especially Dan and Lisa whom I have frequent dealings with... Would recommend!

Black&White Bridging Is the Company to use! “When applying for a Bridging Loan, Black&White Bridging is the company to definitely consider. Agne Januolyte And Matt Horton have provided Exceptional service from start to finish. Agne did everything she could to get my bridging loan processed as quickly as possible to meet the deadline date. Agne answered all my questions, found me a good deal, and followed up with all of my concerns. She was great at communicating with me about progress, and responded quickly to any queries or issues I had. I am Very happy with the high service received at Black&White Bridging”. There AMAZING!

Delighted to complete my first deal with you guys. Suze went above and beyond in order to achieve completion on this case that had its challenges, she is top notch!

We worked with Jess @ Black & White. She's a responsive and very much on the ball. The case went smoothly with a timely completion. We look forward to growing a relationship with the team at Black & White.

Thank you to Shahed and his team, who work effortlessly on the bridging case. Shahed had been the most helpful person, and he is a crown jewel for any organisation to have. The case went down to the wire and was touch-and-go for completion to take place before Christmas break for the clients and meeting the auction deadline at the same time. I look forward to working with Shahed again on other cases.

B+W is a solutions-based lender. They are eager to resolve issues in difficult circumstances and get the deal over the line where most other lenders will not. Thanks to Mike and Suze for the hard work and for being patient when it counted. B+W are my first port of call as broker for bridging

Worked with Shahed and Jess on a relatively small but not easy (they never are) bridging loan. They have an open for business mindset, were flexible and showed a common sense approach when required. I'll go to them again for certain

Very relatable and professional outfit. Managed to complete a very difficult deal that no other lenders would consider. Mike and Agne were incredible and I’m very grateful for their personal attention and dedication to getting the deal over the line. This business is all about getting deals over the line and I recommend B + W Bridging for exactly that!

Great dealing with Shahed and Agne, great communication, cooperation, understanding and desire to get the job done ! Very very happy with the service and outcome of dealing with the team at B&W

Excellent completion was on time for an auction Purchase

For a firm with 'no grey areas' they have plenty of grey matter when it counts. Got a high LtV equitable charge deal away with aplomb, despite others doing their best not to make things happen.

Great lender, did what they said what they were going to and never moved the goal posts throughout the process. Will be happy to continue to do business with B&W.

I have nothing but praise for the underwriters ay Black and White Bridging, who always go beyond the call of duty to achieve my clients objectives

The team at B&W are professional, innovative and enjoyable to work with. They are extremely proactive and organised and manage the underwriting and loan success process efficiently with great communication.

Black & White Bridging are truly what they say they are with no "grey areas" when it comes to decision making. I will certainly utilise their services over and over again

Definitely recommend. A refreshing no nonsense approach to Development Finance. From our initial contact through to completion everything was handled with a professional common sense approach without any last minute surprises or delays, allowing us to achieve exactly what we needed . Pleasure to work with.

Fantastic service by B&W on the latest Bridge deal I have done with them, special mention to Mason Ward who pushed this deal from inception to delivery to meet the strict timescales needed to complete.

Great service from B&W. Mason Ward got the deal priced up and agreed in principle quickly and efficiently, and was always on hand to answer any queries. Heather Hancock was the underwriter, and I was extremely impressed with her solution finding approach. When other lenders may have turned the deal away or delayed completion, Heather was keen to get the deal over line. Highly recommend.

Mason has been so helpful and has gone above and beyond. Highly recommend

Really pleased with the team�s service, very pro-active and great communication. Particularly grateful to Agne who was very efficient with her, updates and responses to queries.

Highly recommended I have placed a number of clients with B&W. Their service is first class. Despite this transaction being delayed they honoured their pricing and the execution by Agne with regular telephone calls and emails to update myself and my client went way beyond what I would expect from a lender. I look forward to working with B&W again.

The team at B&W were a breath of fresh air and their commitment to service exemplary. The particular case we dealt with together was highly complex and the team proved themselves to be truly solution based every time a problem, and there were many, arose. In the end we reached a successful completion. There is no doubt I will be placing further business with them

This is the 1st time we have borrowed from B&W Bridging and we will definitely do so again. They proved themselves vey competent and straight forward and able to understand and deal with complex matters

Great to work with B&W again! First class service from all the team. Heather in particular, who ran the deal fo us, was always on hand to answer any querieis and help manage all parties within the transaction. A proper bridging experience.

Great communication throughout and very pragmatic. Competitive pricing too.

Very straightforward to deal with, I have had limited experience of bridging but compared to the other one I attempted to use in the past these guys are a breeze and do what I think people expect bridging to do, get money sorted fast. 2nd time I have used them and will use again.

A a broker, we need lenders who can deliver and B&W certainly do! Auction purchase with a 14 day completion added to the test, but B&W came through with a little time to spare. Highly recommended.

Extremely professional and very helpful company. The whole team are fantastic, (I can honesty say that because I have met them all). Lending made easy with no hidden cost. We've done over 10 projects together and I keep coming back I would 100% recommend to anyone.

Secured a great deal with Black & White for our clients on a complex property. Fantastic customer service from the team throughout and special thanks to the case owner Heather, who helped keep the case on track and over the line to completion.

This is an amazing team of people, always pushing to get the purchase completed quickly despite being an extremely complex transaction. Efficient and excellent at what they do. Would highly recommend and will work with them again.Thank you B & W.

This was a complex application with the applicant residing abroad and historic title problems to overcome before the loan could complete. Heather and the team at Black & White were totally professional in keeping me informed and updated. Being fairly new to the industry this level of service was most welcome. Chris Power. Progress Business Finance Ltd.

Black and White have been outstanding with service, communication and patience throughout the process. A difficult deal with it complexities and the team were excellent throughout, especially Jess. Recommended to any Finance desk like ours or clients.

Professional services and swift response with our loan application. Very pleasant experience.

Black & White were quick to understand my clients situation and made the whole process very straightforward. Really pleased with the team�s service, very pro-active and great communication. Particularly grateful to Heather who was very efficient with updates and responses to queries.

Another completion from B&W bridging and pleasure Woking with Heather , when most lenders promised the world and did not deliver, our clients came to us we placed the cases with B&W bridging in December and got 2 cases completed in January, definitely a trusted lender for all the brokers to work with.

I keep coming back to B&W for one reason: reliability! Whenever I have had a time-sensitive case, they have never missed. They are a great team and I will keep coming back.

An excellent service from start to finish, my dealings with Jess, Dave and Oli through-out was exemplary. I look forward to working with you all again soon

The team and Black & White was a joy to deal with. They are pure bridging experts able to progress transactions efficiently. No nonsense bridge lending at its finest. Highly recommend for complex cases or quick completions.

Another deal completed with the ever professional Black & White. This time, what on the face of it looked like a straight forward transaction turned into anything but! During the process my client decided to change the entire structure of the deal meaning all the paperwork needed redoing. Instead of moaning B&W cracked on and produced the necessary docs without complaint. The client then did it again and again B&W rose to the challenge with barely a murmur. Then to cap it all three days before drawdown there was a change in purchase price so yet again more changes were needed. I fully expected a mild concussion caused by the rattle being rightly hurled from the pram but no B&W proved bigger than that. Without a hint of complaint yet another set of docs were produced ready just in time to complete on the prescribed date. So happy client, happy broker. Well done guys five stars.

As in introducing broker, on two complicated transactions that needed to complete on the same day, the service received from the B&W team was professional, friendly, assertive, flexible and effective. Highly recommended!

Great team and service from B&W. Special shout outs to Heather and Magnus who were always on the other side of the phone when needed and helped to get the case completed as quickly as possible.

Really appreciate all of your help throughout, this first case has been a very positive experience and one that will I�m sure lead to much more business going forward. This was an auction purchase with many complexities for a first-time investor looking to undertake a fairly complex PD flat conversion. Black and White took it in their stride and we achieved draw-down on the contractual completion date, with the loan structured in a way that not only facilitated the purchase of the building but also sets-up the onward development finance in a very straight-forward way.

Absolutely faultless service from Black & White Bridging on a commercial bridging loan for one of my valued clients. From start to finish David McCarthy who is my BDM and Agne Januolyte who underwrote the case were superb. Great communication, flexible, adaptable and a total joy to work with.

Ok very good experience with this company from start to finish and it also was an air space deal that not many lenders were keen on ( So anyone with an airspace development I advise you to check them out) I will definitely be back again and would highly recommend this company to any property investors

Fantastic service, great product and speed was second to none! Would not hesistate to recommend!

Excellent service from B&W on what was a very complicated case with a number of challenges to overcome

Very impressed with the speed and efficiency of the team, Agne was on the pulse throughout the process and made it a very smooth and stress-free experience, highly recommended.

Very complex deal on a long leasehold apartment block with 15 TR1s already pending at land registry so we had to use indemnities and undertakings. A pending AN1 that had to be removed, again by undertaking to allow for completion. Throw in a mezz and a dev loan exit to the bridge but we got it over the line at 18:50 on the Friday. Despite the 5pm deadline set by the existing senior debt provider. Big shout out to Damien, Oli & all the team at B&W. Now these two deals have completed we go again!

The team were once again excellent from initial enquiry to completion. Thank you.

excellent underwriting. True bridging with not much red tape

My broker Paul Mak at Pomegranate Commercial Finance introduced my purchase to Black & White Bridging which was then handled by Heather Hancock who approached things with a positive attitude no matter how many curve balls were thrown at them to facilitate the lending

Great service levels received from all the team at B&W Bridging, Our first completion with this lender who are flexible and quick with responses.

I am a specialist mortgage broker and this is my experience. My client came to be after being let down by another lender. It was a very pleasant experience reconnecting with my old contact Magnus and Jess the underwriter. Teamwork was evident and amazing. Clear and commercially-minded decision making and communication. Truly enjoyed the process and would use again.

Simple and straight forward - communication was good being informed at every stage. The speed to completion was excellent

Great service and delivery, a very pro-active team that really delivered in the final stages to complete the transaction with the best possible outcome for the client.

Good lender, flexible when issues came up, did everything they could to make sure the loan went through. Offer sensible rates and do bridging loans that other lenders reject, as well as all the standard bridging loans.

Black & White took the time to listen and fully understand this proposition, offering flexibility and support where others would not. Great to have a direct line into the lending / underwriting team too.

Excellent service from B&W. Thank You!

Good communication and excellent service. Prompt payment of the proc fee as well!

B&W bridging offered really good communication from the outset, approved a development finance where other lenders had turned down at competitive rates. Najma and the B&W team were fantastically helpful, and I would have no reservations about recommending and dealing with B&W again.

Timescales were tight for completing a purchase for client who had committed to buy at auction after been delayed by slow replies and updates with a different lender. Approached Black & White as a local to both broker and property , terms issued and agreed with completion as expected, total time turnaround c 14 days!

B&W did it again, smooth, fast and reliable bridging lender - if you have any bridging need B&W is the lender. Thank you very much Magnus the magnificiant BDM , the caseworker and underwriters Jess and Najma for all your assistance with the completion. Can't wait for the next ones to get completed this month.

B&W offers competitive rates and LTV ratios, and the process is fairly straightforward if you ensure all requirements are clear from the start. However, be sure to specify your completion deadline, as delays can occur if it's not highlighted. One thing to watch out for is their 180-day valuation, which may not always align with the current market value. Overall, a solid lender with good terms, but attention to detail is key.

Worked with the team on a bridging loan where they stepped in after another lender let us down. They were flexible and took a commercial view and a regular flow of communication all round meant we got this deal drawn as quickly as possible and met the clients needs on this refinance.

I have worked with them a number of times now and always great service and dedication to get the deal done.

Black & White took control of a difficult situation did not give up over came any hurdles to a positive outcome for the client.

Lovely team! Great communication and very professional.

The Black and White team are clear, transparent and incredibly hard workers. The service is outstanding and terms always fair. Despite sharp growth, their motivation to never let service levels dip is impressive. I have worked with the team on a number of deals including large complex proposals and they have delivered 100% of the time. I look forward to working with you all in the future with a special mention to Heather, Oli, Suze and Jess. Great work.

Amazing experience not just for me as the broker but for my client. The whole process was effortless. Everyone was very efficient i. Particular we would like to thank Agne and Magnus. Plus the rest of the team in the background. We appreciate you turning this around so quickly for us. You delivered as promised. We are as expected now doing more business with you. We honestly were impressed by everyone and the process and efficiency. Amazing lender

B&W Bridging provided a bridging loan for one of my clients who was in a scenario where there was a couple of hurdles where each on their own would minimise available lenders, but put them together and there wasn't many options at all. B&W Bridging were one of those lenders. Not only were they straight forward and easy to deal with, they were well priced considering the complexities of the deal.

This recent application was not the first and it will not be the last thanks to the very human approach to not just positioning the deal but also with the consistent and reliable updates. Delighted as usual to be working with Martyn and his team at B and W. Special mention to Suze for always willing to pick up the phone to help solve any queries which made a huge difference and Magnus for his vision in how to position the deal at the front end to save the client money. Very happy broker and client as a result !

Done a number of Bridging deals with B&W. As always great to deal with. In this particular Bridging finance deal, the responsiveness, of the team throughout the application made all the difference in the deal completing by the deadline. Well done again Team B&W.

Black and White have been an absolute pleasure to work with. From start to finish, the team demonstrated professionalism, efficiency, and a genuine commitment to helping their clients. A special thank you to Heather, whose openness, honesty, and clear communication were truly outstanding. Her transparency throughout the process was a testament to both her personal integrity and the values of the firm. I�m very much looking forward to working with them again in the near future.

This was my 1st time using Black & White and what a joy - seemless customer service from the get go and great to deal with my old friend Mike. A big thank you to Crystal for going above & beyond even when the delays sat with the clients legal representation.

My first time using B&W, and they were superb. Excellent communication throughout, and an easy process. Will certainly be using again!

We have now completed our first deal with Black and White as a broker. The deal was seamless, we were kept informed throughout the deal, and everyone involved worked in the best interests of the client in order to bring the matter to a speedy conclusion

Black and White progressed the loan very efficiently�particularly Mike and Suze, who delivered an A+ service. They were extremely professional and a pleasure to work with throughout. We�re looking forward to working with them on the next case.

Seamless process, good terms for the client and a good company to work with. Look forward to working with them again

A great overall experience. A massive thank you to Suze and Shahed for getting over a tricky deal. A can-do attitude to any challenge faced throughout the process. I look forward to working with all at B&W again in the future.

We recently completed a �3.85m bridging facility with Black and White Bridging in just 5 weeks from start to finish. The speed, professionalism, and attention to detail were outstanding. A special thanks to Shahed Popat, our Relationship Manager, who guided us through every stage and kept things moving. The underwriting team was equally impressive � pragmatic & responsive

Thanks To Mike Underwood and Agne for completing a sizeable bridging loan for a commercial property and residential investment property in 19 days from application to completion. Wonderful job from Black and White, you both kept everything on track. I will be back for more Bridging facilities in the near future!

Great bridging company, always transparent with their offering and quick to come back.

I was really impressed with a recent bridging loan submission. The underwriter, Suze, on this case was fantastic and made sure the client was really well looked after despite some hurdles along the way. And, not to forget the inimitable, Mike Underwood who convinced me that they could take the case on in the first place. Well done to you all!

Just completed a fairly small semi commercial bridge, but one not without a good few problems and twists and turns. The team at B&W were absolutely brilliant, Agne and Dan in particular went 'above and beyond' on several occasions and made this happen. Highly recommend them! Looking forward to the next!

Amazing lender, with amazing team. My process was made smooth by Dan and Agne, with regular updates and quick responses.

My clients auction property purchase fell through at the last hurdle with another lender, and to make matters worse, they delayed releasing the valuation report for several days. Heather and Dave were brilliant stepping in quickly and got a new deal over the line in record time. No fuss, just efficient and effective support when it was needed most.