BREAKING
Property transactions fall 4% as approvals slide and price growth stallsHilco provides £7.5m bridge on two Jersey office blocksStamford Finance completes £1.4m across Windsor and GlasgowAlbatross puts co-founders at heart of new principal-led deal teamsSDKA lends £774k for purchase of Yorkshire seafront hotelProperty transactions fall 4% as approvals slide and price growth stallsHilco provides £7.5m bridge on two Jersey office blocksStamford Finance completes £1.4m across Windsor and GlasgowAlbatross puts co-founders at heart of new principal-led deal teamsSDKA lends £774k for purchase of Yorkshire seafront hotel
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BloomSmith logo

BloomSmith

The UK's leading VAT bridging loans specialist.

VAT Bridging

Max LTV

100%

Interest from

1.25% pcm

Loan size

£50,000–£10m

Term

90–360 days

Charges

Charge-free

Areas

England, Wales and Scotland

Who they are

Established in 2015, BloomSmith is the UK's leading VAT bridging loans specialist, exclusively focused on the commercial property market. Our short-term loans enable borrowers to cover 100% of the VAT due on a property purchase without the need for a second legal charge. With a streamlined lending process, borrowers can confirm eligibility in under five minutes and receive funding within 48 hours. Our transparent fee structure and fast turnaround have made us a trusted partner for developers, investors, and brokers seeking liquidity during property acquisitions. Our operations are externally audited quarterly, ensuring full compliance.

Their ethos

The BloomSmith philosophy is centred around transparency and relationships built on trust. To ensure this, our processes and financial information are externally audited quarterly — enabling you to borrow with confidence.

What they specialise in

BloomSmith focuses exclusively on providing unsecured VAT bridging loans for vacant commercial property transactions in the UK, enabling clients to fund 100% of the VAT due without a second charge. This ensures speed, liquidity, and compliance during property acquisitions and investments.

Meet the team

Nigel Smith

CIO

nigelsmith@bloomsmith.co.uk

Dave White

Director

dave@bloomsmith.co.uk

Joe Thomas

Director of Marketing

joethomas@bloomsmith.co.uk

Contact

3 Astwood Mews, Kensington, London, SW7 4DE

bloomsmith.co.uk

val@bloomsmith.co.uk

Lending criteria

Funding model
Revolving credit facility
FCA regulated
Supervised for anti-money laundering purposes only
Fixed/variable interest
Fixed interest
Treatment of interest & default interest
Retained
Max LTGDV
N/A
Max LTC
100%
Min property value
£250,000
Valuation retypes
N/A
Rental calculations & exposure
N/A
Types of valuation accepted
N/A
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
N/A
Planning permission needed
No
Commission rate
1–5% of VAT loan amount
Associations/charters
NACFB
Types of landlords accepted
New SPV
Upfront fees
Yes
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
Yes
Electronic signatures accepted
Yes
Lending on land
Yes

Read more

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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