Who we are...

We are Black & White Bridging, the architects of truly transparent lending with no grey areas…

From a small team based in Bath to a national lender, we are here to make the lending market Black & White. Putting the power back into the hands of intermediaries with a crystal clear deal process, and simply focusing on great customer service to build long-term partnerships.  

TRULY TRANSPARENT​

Dedicated lending managers, with total deal transparency.​

Black & White Bridging means exactly what it says. The deals are what they seem, with lending managers always available to make sure you are always crystal clear on how your deal is progressing.

With No Grey Areas

No hurdles, no hidden surprises. Simple effective lending.

How many times have you seen an advertised rate that’s near impossible to actually achieve, or been stung with unexpected changes as a deal progresses? No grey areas means no hidden surprises.

The History of Black & White Bridging

June, 2013
Bath & West Finance starts trading
Our journey starts from humble beginnings in Bath, industry veteran Martyn Smith starts Bath & West Finance, a small lender with a focus on great customer service and long-term relationships.
June, 2013
July, 2018
Bath & West reaches 100 completed loans.
Bath & West completes its 100th loan for a development based in Taunton. A huge moment as its small team begins to enter a period of real growth, with many new faces and the development of the improved office.
July, 2018
April, 2021
Introducing Black & White Bridging.
In April of 2021 Damien Druce joins the team and spearheads the evolution of the new brand, Black & White Bridging. With a heartfelt nod to what came before Black & White is based on the same great service - but begins to ramp things up, pushing for true transparency in the industry and becoming a national lender.
April, 2021
Sept, 2021
200th loan completed
In September of 2021, we completed our 200th loan on a buy to let property in South London. Marking another important milestone as we continue to grow and build long term relationships with intermediaries.
Sept, 2021
Feb, 2024
300th loan completed
In February, we completed our 300th loan which was a second charge on a residential property to fund the purchase of a Buy-To-Let property at auction. We utilised an Automated Valuation Model to complete the timely transaction.
Feb, 2024
Sep, 2024
New £100m funding line announced
The new funding line means Black & White will be able to expand the type of bridging loan offered to brokers and their clients, and also reduce rates. We can now increase maximum loan size from £2.5 million to £7.5 million, which can be higher on referral and enhanced due diligence. We've also launched a range of bridging loans with even more competitive interest rates and variable proc fees, enabling intermediaries to decide how much to earn and how low they would like the interest rate to be for their clients.
Sep, 2024
Oct, 2024
New regional hubs opened in London and Manchester
We're expanding out of our base near Bath, to open offices in London and Manchester, tripling the number of office locations to be closer to brokers, borrowers, investors and business partners around the country. The new offices will give Black & White a greater presence in the north and southeast while supporting team members already in those locations. They will also help Black & White attract new talent from a wider geographic area in our bid to double in size again by the end of 2025.
Oct, 2024

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Our partners...

We are impartially reviewed and accredited by two trade associations, so you can trust what we say from impartial sources. We also have various industry partnerships from time to time, so you can see who we are currently partnering with to best serve brokers and their borrowers. 

Mortgage Awards, overall sponsor

Black & White Bridging
Bury Manor Offices
Woodcroft Lane
Wick, BS30 5SH

3 Hardman Square
Spinningfields
Manchester, M3 3FH

Kings Cross
344-354 Grays Inn Road
London, WC1 X8P

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© Copyright 2022 Bath and West Finance Limited

Black & White Bridging is a trading name of Bath and West Finance Bridging Limited (12339728), Bath and West Finance limited (07673439) and their associated companies (a list of which is available in our privacy policy) incorporated in England and Wales, Bury Manor Offices, Woodcroft Lane, Wick, Bristol BS30 5SH. We are not authorised or regulated by the Financial Conduct Authority (FCA) for our products or services. We are supervised by the FCA for money laundering purposes.