One of the UK's longest established bridging and development lenders. We deliver finance with the emphasis on integrity, speed and friendliness.
"Speed, reliability, transparency and flexibility — for three generations."
BM Samuels has specialised in the provision of finance, secured on UK property, since 1965. Every loan is syndicated to private clients through their own companies, established when they become a client of the firm. Our focus is short-term bridging and development finance.
Terms issued the same day. Completion within the week.
The typical BMS turnaround for a well-secured bridging enquiry. Legal and valuation instructed on day one, funds available before the deadline.
Start the conversation →The moment the hammer falls, you've exchanged contracts. We provide reliable, fast finance to complete — even when you call us late in the process.
Up to 100% of building costs for new builds, conversions and refurbishments. One call, an assessment, and a solution at lightning speed.
Loans against existing property or portfolios for any purpose — from onward purchases to personal capital. Assessed on merit, funded fast.
Where you've added value between exchange and completion — through planning gain or refurbishment — we lend against the property's value, not the purchase price. At times we can lend as much as 90% of purchase price.
Around 40% of our borrowers at any given time are repeat clients or referrals from existing borrowers — the result of doing exactly what we say we will do.
A straightforward path — designed to move at the speed your transaction demands.
One call or email to our office. No forms required to begin.
We review security, purpose and timeline — usually within hours.
A clear, written indicative offer with no hidden conditions.
Our panel solicitors move fast. We manage the process directly.
Drawdown on completion. In urgent cases, within 24 hours of enquiry.
Note: Urgent transactions have been completed in under 24 hours from initial enquiry.
Start Your EnquiryEvery application is considered on its own merits. The framework below reflects the parameters within which we typically lend.
A snapshot of loans funded across London and the South East — each structured, underwritten and drawn down by BMS directly.
The facility provided the borrower with time to carry out an internal refurbishment while submitting a planning application for a new-build house in the rear garden. Subject to a positive planning outcome, BMS will look to provide the development finance for a swift completion.
BMS funded 100% of the purchase costs for a borrower acquiring the property via auction. Two unencumbered properties within the borrower's portfolio were used as additional security, allowing us to fund the full amount required. BMS navigated a complex ownership structure involving multi-layered subsidiaries — demonstrating our flexible and commercial approach to lending.
BMS provided a £4.2m refinance for a development of nine houses in Sutton. The borrower, a long-standing client of over 35 years, required a quick turnaround to allow additional time to complete the sales of the nine homes, all of which are under offer. The transaction was completed in under a week.
BMS provided a £1.085m loan to support a long-standing client with the acquisition of a freehold building in the final stages of construction, internally arranged as five self-contained flats. After being let down by another lender and put under notice to complete, the borrower approached us — and we successfully completed the loan in under 24 hours from the initial enquiry. The loan reflects a LTGDV of under 50%.
A borrower had bought a house in Folkestone for £320,000 to divide into flats. His finance was pulled with a week to go. BMS stepped in, provided the loan, and he refinanced shortly after — saving his £32,000 deposit.
A company with a restaurant and residential upper parts secured planning to add a floor of flats. It needed £650,000 to refinance and build. We funded the deal. The property has since more than doubled in value.
Directors of a trading company needed £1.4m in a week to complete a £30m residential scheme in Portugal. We secured the loan against their personal homes and produced the funds bang on time.
A buyer at auction won a property in Fulham for £850,000. Her bank manager was away with days to completion. She came to us reluctantly — we obliged, and her £85,000 deposit was saved.
Three generations of the Samuels family have built BM Samuels into one of the UK's longest established bridging and development lenders. Loans are syndicated to private clients through companies established when they join the firm.
We remain independent so decisions can be made directly, quickly, and with genuine discretion — with the emphasis on integrity, speed and friendliness.
Speak With a Director
The Compton Cinema, Soho. Our founder and Chairman, Bernard Samuels’ first venture — the success of which provided the foundation for a distinguished career in finance and the establishment of a family institution that endures to this day.
Our new online application portal walks you through each section — introducer, loan request, applicants, security, development and supporting documents — with autosave at every step. Nothing to print, nothing to post.
Prefer the traditional route? Request the PDF from info@bmsamuels.com.
Open Application PortalA no-obligation quotation. One of our friendly team of experts will assess your situation over the phone and offer an immediate decision.
