About the brokerage
About Bridging Loans Sussex
We sit between Sussex 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 across East Sussex, West Sussex and Brighton & Hove.
Who we are
We are a bridging brokerage covering the whole of Sussex: East Sussex, West Sussex and the Brighton & Hove unitary. 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 Sussex specialist desk.
The brokerage grew out of a packaging team that had been arranging short-term property finance for South East 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 Sussex desk handles enquiries from auction buyers across Hastings, Eastbourne, Worthing and Crawley, owner-occupiers chain-broken between Lewes, Horsham, Haywards Heath, Chichester and Burgess Hill, BTL landlords running refurbishments across Brighton BN2 and the Hove conversion belt, holiday-let investors on Rye, the East Sussex coast and the Climping and West Wittering strip, and small developers exiting practical completion on Gatwick-fringe schemes off the M23 corridor. 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 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 BN, PO, RH and TN postcodes fastest, and which legal teams have the auction-pack appetite to complete inside 14 days.
The lender panel
Eight specialists who cover the Sussex 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 on Brighton BN2 to a fast-turnaround standard bridger wastes a week. Sending a clean 65% LTV chain-break case on a Lewes period detached to a heavy-refurb specialist wastes basis points. The packaging discipline is matching the case to the right desk first time. We are NACFB, ASTL and FIBA aware on policy.
Where we work
Sussex, the South Downs coast and the Gatwick corridor.
The home base is the Sussex desk. The bulk of our case flow runs through Brighton & Hove on the BN1 to BN3 postcodes, the West Sussex coast from Worthing through Littlehampton and Bognor Regis to Chichester on the BN11 to BN18 and PO19 to PO22 postcodes, the East Sussex coast from Eastbourne and Bexhill across to Hastings and Rye on the BN21 to BN27 and TN31 to TN37 postcodes, the inland East Sussex market towns of Lewes, Uckfield, Battle and Seaford, and the Sussex Weald around Crawley, Horsham, Burgess Hill and Haywards Heath on the RH10 to RH20 postcodes. Beyond the county boundary we lend across the wider South East England region into Hampshire, Surrey, Kent and parts of the M25 belt where the deal flow and the lender panel both make sense.
Distance from Brighton or Chichester 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. We also avoid taking on cases we cannot improve on, where a direct-to-lender route would price the same or better; honesty about that saves everyone time.
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 Sussex 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.