Varsity Finance

18/05/2026

13/05/2026

🚨 BRIDGING FINANCE EXPLAINED — THE REAL TRUTH 🚨

A lot of people hear the words “bridging finance” but don’t actually understand how it works, what the costs are, or how quickly it can be arranged.

So here’s a simple breakdown from someone who arranges these facilities every day. 👇

🏦 WHAT IS BRIDGING FINANCE?

Bridging finance is a SHORT-TERM PROPERTY LOAN designed to help you:

✅ Buy property quickly
✅ Purchase below market value (BMV) deals
✅ Complete auction purchases
✅ Refinance fast
✅ Raise capital against property
✅ Refurbish property
✅ Break chains
✅ Buy unmortgageable properties
✅ Acquire investment opportunities before arranging long-term finance

Unlike standard mortgages, bridging lenders focus more on:
✔️ The PROPERTY
✔️ The EXIT STRATEGY
✔️ Your EXPERIENCE
✔️ Your ASSETS & LIABILITIES
✔️ The strength of the deal

⏰ HOW FAST CAN IT HAPPEN?

I can normally obtain CREDIT-BACKED TERMS within 48 HOURS subject to the information supplied.

This is NOT “rate shopping”.

I source lenders based on:
✔️ Your personal profile
✔️ Experience
✔️ Credit background
✔️ Property type
✔️ Exit strategy
✔️ Deal structure

That means the lender is selected specifically for YOU — not just whoever advertises the cheapest headline rate.

🏛️ I HAVE ACCESS TO OVER 300 LENDERS INCLUDING:

✔️ High Street Bank Panels
✔️ Challenger Banks
✔️ Specialist Bridging Lenders
✔️ Family Offices
✔️ Private Offices
✔️ Private Capital
✔️ Boutique Property Funds
✔️ Commercial & Investment Banks

💰 WHAT COSTS ARE INVOLVED?

This is where many people get confused — so let’s break it down clearly.

1️⃣ ARRANGEMENT FEES
Usually around 1%–2% of the loan amount.
Sometimes added onto the loan.

Example:
£500,000 loan with 2% arrangement fee = £10,000 fee.

2️⃣ MONTHLY INTEREST
Bridging interest is usually charged monthly rather than annually.

Example rates:
🔹 0.65% pm
🔹 0.75% pm
🔹 0.95% pm
(subject to status and deal strength)

Interest can sometimes be:
✔️ Serviced monthly
✔️ Retained upfront
✔️ Rolled into the loan

3️⃣ VALUATION / SURVEY FEES
Depending on the deal, lenders may use:

✔️ Desktop Valuation
✔️ AVM (Automated Valuation Model)
✔️ Drive-by valuation
✔️ Full RICS valuation

The stronger the deal and borrower profile, the lighter-touch the valuation may be.

4️⃣ LEGAL FEES
Normally:
✔️ You pay your own solicitor
✔️ You usually also cover the lender’s legal costs

Bridging lenders require specialist solicitors because the process moves quickly.

5️⃣ EXIT FEES
Some lenders charge an exit fee, others don’t.

Always ask:
✔️ Is there an exit fee?
✔️ Is there a minimum interest term?

📆 TERMS — HOW LONG ARE BRIDGING LOANS?

Most bridging loans are:
✅ 6 months
✅ 9 months
✅ 12 months

But here’s what many people misunderstand:

➡️ You can often REDEEM EARLY.

Many lenders only require a minimum interest period — commonly 3 months.

So if you repay after 4 months on a 12-month term, you normally only pay the interest used (subject to lender terms).

🏗️ HOW MUCH CAN YOU BORROW?

Loan-to-values depend on:
✔️ Property type
✔️ Experience
✔️ Location
✔️ Exit strategy
✔️ Condition of the property

Examples:
🏠 Standard residential
🏢 Commercial
🏗️ Semi-commercial
🔨 Heavy refurbishment
📦 Land
🏘️ HMOs
🏢 MUFBs

Typical leverage:
✔️ Up to 75% day one
✔️ Up to 90% loan-to-cost
✔️ Sometimes 100%+ funding structures available

YES — if the deal is a TRUE BELOW MARKET VALUE purchase and the borrower has:
✔️ Strong experience
✔️ Healthy A&L
✔️ Strong asset position
✔️ Credible exit

…then additional leverage can sometimes be structured.

⚠️ IMPORTANT:
Bridging finance is specialist lending and NOT suitable for everyone.
Every case is individually assessed.

👤 ABOUT ME

I am a highly qualified mortgage & property finance broker specialising in:

🏠 Buy-to-Let Finance
🏢 Commercial Mortgages
📈 Investment Property Finance
⚡ Bridging Finance
🔨 Refurbishment Finance
🏗️ Development Finance

I work directly with decision makers and specialist funding lines across the UK market.

📲 WhatsApp preferred for fastest response.

👤 Simone Sonsino
CeMAP, Adv CeMAP, CeRER, CeARL, CeRGI, CeCM, CeRCC

📧 [email protected]
📲 WhatsApp: 07496 503983

18/03/2026

INTRODUCING VARSITY FINANCE – FAST, FLEXIBLE PROPERTY FUNDING SOLUTIONS 🏠

Are you a property investor, developer, or intermediary looking for reliable, fast, and intelligent short-term funding?

At Varsity Finance, we specialise in structuring bespoke finance solutions across the UK — designed to help you move quickly, secure opportunities, and maximise returns.

With over 300 lenders on our panel, we provide access to:

🏦 High Street Banks

🏢 Challenger Banks

💼 Private Capital & Family Offices

📊 Specialist Bridging & Development Lenders

⸻

💡 What We Offer

✅ Bridging Finance (including 48-hour completions)

✅ No Valuation Bridging (where applicable)

✅ Refurbishment Finance – Light, Medium & Heavy

✅ Conversion & Development Funding

✅ Below Market Value (BMV) Lending

✅ Residential, Semi-Commercial & Commercial Assets

✅ Retained or Serviced Interest Options

✅ Flexible Terms from 3–24 months

💰 Minimum Net Loan: £250,000 – No Maximum

Whether you’re acquiring, refinancing, or repositioning an asset — we can structure the right deal.

⸻

🧠 Why Work With Me?

I’m Simone Sonsino, and I bring:
🔹 25+ years in financial services
🔹 40+ years in real estate experience
🔹 Hands-on expertise across buying, selling, refurbishing & development

This isn’t just finance — it’s strategic funding backed by real-world property knowledge.

⸻

⚡ Speed. Access. Ex*****on.

In today’s market, speed and certainty are everything.
We work directly with decision-makers, ensuring:
✔ Fast turnarounds
✔ Competitive pricing
✔ Discreet, professional service

⸻

📲 LET’S DISCUSS YOUR NEXT DEAL

If you have an opportunity that needs funding — or want to explore what’s possible — get in touch today:

📞 07496 503 983 (Call or WhatsApp)
📧 [email protected]

⸻

🔥 Serious about securing your next deal? Let’s make it happen.

18/03/2026

🚀 NEW REFURBISHMENT FINANCE RANGE – SCALE YOUR PROPERTY PROJECTS 🚀

We’re excited to introduce our enhanced refurbishment finance solutions at Varsity Finance, designed specifically for property investors and developers looking to maximise returns and move quickly on opportunities.

Whether you’re working on light, medium, or heavy refurbishment projects, we provide fast, flexible funding across:

🏡 Residential
🏢 Semi-Commercial
🏬 Commercial Assets

⸻

💼 POWERFUL FUNDING FEATURES:

💥 Loans from £150,000 to £3,000,000
💥 Flexible terms from 3 to 24 months
💥 Rates starting from 0.85% per month
💥 Up to 75% Day 1 Loan-to-Value
💥 Up to 90% Loan-to-Cost
💥 NO exit or early redemption fees after 3 months

⸻

🔥 WHY THIS IS A GAME CHANGER:

👉 Unlock higher leverage on refurbishment deals
👉 Retain more capital across multiple projects
👉 Increase speed and scalability of your portfolio
👉 Perfect for value-add & below market value opportunities

⸻

⚡ READY TO FUND YOUR NEXT PROJECT?

At Varsity Finance, we work with a panel of 300+ lenders, including private funds, family offices, challenger banks, and high street lenders — giving you direct access to decision makers and competitive funding solutions.

👤 Simone Soncino
📞 Call / WhatsApp: 07496 503 983
📧 Email: [email protected]

⸻

🚨 LIMITED FUNDING WINDOWS – SERIOUS INVESTORS ONLY 🚨

👉 Message “REFURB” or DM NOW for a same-day call back
👉 Let’s structure your next deal and get it funded FAST

⸻

18/03/2026

🔥 STOP MISSING PROPERTY DEALS – GET FUNDED IN 48 HOURS 🔥

🚨 UK PROPERTY INVESTORS & DEVELOPERS – THIS IS FOR YOU 🚨

Found a below market value deal or auction property… but struggling to secure funding in time?

👉 Varsity Finance can step in FAST.

💥 Bridging Finance from £500K – NO MAXIMUM
💥 Access to 300+ lenders (including private funds & banks)
💥 Decisions in HOURS, not weeks
💥 No valuation options available (in some cases)
💥 Auction & distressed opportunities welcomed

⏳ Speed is everything in property — we make sure you don’t lose the deal.

⸻

💼 WHY INVESTORS USE US:

✔ Direct access to decision makers
✔ Discreet, professional service
✔ Tailored funding structures
✔ UK-wide coverage
✔ Built for serious investors only

⸻

📲 READY TO MOVE FAST?

👉 Call / WhatsApp NOW: 07496 503 983
👉 Email: [email protected]

⚡ If your deal stacks, we’ll get it funded. It’s that simple.

⸻

🚀 COMMENT “FUNDING” OR DM NOW FOR A CALLBACK 🚀

⸻



👉 “We are currently funding deals THIS WEEK — if you need fast bridging, message ‘YES’ and I’ll call you back personally.”

18/03/2026

🚀 UNLOCK FAST UK PROPERTY FUNDING WITH VARSITY FINANCE 🚀

Need urgent bridging finance for your next investment opportunity?
At Varsity Finance, we deliver fast, competitive, and reliable funding solutions for property investors across the UK.

✅ Fast turnarounds
✅ Instant decisions
✅ No valuation potential
✅ Below market value deals
✅ Auction finance
✅ Minimum loan £500K – no maximum

Whether you are purchasing at auction, securing a below-market-value opportunity, or need funding quickly to complete on an investment property, we can help.

We work with a wide panel of lenders to provide tailored bridging solutions for serious investors who need speed, flexibility, and certainty.

📞 Call / WhatsApp: 07496 503 983
📧 Email: [email protected]

Act fast and secure your next investment with confidence.
Contact Varsity Finance today to discuss your bridging requirements.

18/03/2026

💼 SERIOUS PROPERTY INVESTORS USE BRIDGING FINANCE — HERE’S WHY

If you’re relying on slow, traditional lending… you’re already behind.

⚡ The UK’s most successful investors use bridging finance to:

✔️ Secure below market value opportunities
✔️ Purchase at auction with confidence
✔️ Add value through refurbishment
✔️ Exit onto long-term finance or sell for profit

At Varsity Finance, we don’t just arrange finance — we engineer deals.

🔑 With access to 300+ funding sources, we structure solutions across:
• Residential blocks
• Commercial assets
• Development opportunities
• Complex or time-sensitive deals

💥 Why clients choose us:
• Speed (often within days)
• Discretion
• Tailored funding strategies
• Direct lender relationships

📲 If you’ve got a deal — we’ll fund it.

📞 07496 503 983
📧 [email protected]

👉 Drop me a message today — let’s structure your next deal.