About the brokerage
About Bridging Loans Devon
We sit between Devon 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 Devon and the wider South West 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, holiday-let completions 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 Devon specialist desk.
The brokerage grew out of a packaging team that had been arranging short-term property finance for South West 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 Devon desk handles enquiries from auction buyers across the EX, PL and TQ postcode areas, owner-occupiers chain-broken between Exeter, Sidmouth and the wider east-Devon coast, BTL landlords running refurbishments across Plymouth and Newton Abbot, holiday-let buyers from Salcombe through Dartmouth and out to Croyde, and developers exiting practical completion on small schemes across Torbay and mid-Devon. 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 EX1, PL4 or TQ6 postcodes fastest, 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, second-charge cases and holiday-let acquisition. Beyond the headline panel we maintain working relationships with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore, Kuflink, ASK Partners and OakNorth 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 to a fast-turnaround standard bridger wastes a week. Sending a clean 65% LTV chain-break case to a heavy-refurb specialist wastes basis points. The packaging discipline is matching the case to the right desk first time. We sit close to NACFB, ASTL and FIBA industry-body activity so we stay current on which lenders are pricing aggressively in any given month.
Where we work
Devon, the South West and the South Hams premium belt.
The home base is Devon. The bulk of our case flow runs through Exeter (EX1 to EX5) and the east-Devon coast through Exmouth, Sidmouth and Honiton, Plymouth (PL1 to PL9) and the Tavistock corridor running up onto Dartmoor, Torbay (TQ1 to TQ5) covering Torquay, Paignton and Brixham, and the South Hams premium coastal belt around Dartmouth, Kingsbridge and Salcombe (TQ6 to TQ8). We work across North Devon through Barnstaple, Bideford and Ilfracombe (EX31 to EX39) and the surf coast belt of Croyde, Saunton and Woolacombe. Mid-Devon and the Dartmoor edge through Tiverton, Newton Abbot, Okehampton and Totnes round out the county coverage. Beyond Devon we lend across the wider South West region into Cornwall, Somerset and parts of Dorset where the deal flow and the lender panel both make sense.
Distance from Exeter 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. Devon throws up a wider mix of security types than most counties: terraced city stock in Plymouth, family homes in Exeter, holiday lets in the South Hams and Torbay, agricultural barn conversions on the Dartmoor fringe, and seafront mixed-use across the English Riviera. Each lender on the panel handles two or three of those well and we route accordingly.
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 Devon bridging specialist.
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.