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Meet Gareth Davies from Y3S Bridging & Commercial

Bridging and Commercial Broker with over 10 years experience in the industry. I have long standing relationships with a vast panel of lenders, solicitors and surveyors. I am a qualified solicitor which puts me in high steed when it comes to the legal aspect of any application. I am available at any time and pride myself on my customer journey and satisfaction on each and every loan.

We will be in touch within the hour (during working hours)

Please look out for a call on:

07543840254 or 02920108813

We are looking forward to getting to know more about you & your project.

Recent Reviews:
"Very helpful, friendly and knowledgeable, made the process easy."
Mariutto
"Second time we have used Y3S, great service. - Great service overall. Courier service for the documents is excellent."
Wallace
"Excellent customer care ' - First rate service throughout - excellent customer communications and pulled out all the stops to ensure a positive experience and outcome."
Sue Cassidy in Penarth
"Very friendly, good communication, fast service which met our needs. Explained the service they provide very well and delivered."
Barrett
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Get your Project Funded in 3 Simple Steps...

One of the team will be in touch to follow up your enquiry and to chat through your requirements

We will provide an outline financial proposal for you to review

Once your happy with the proposed financial solution then leave it with us to process and release your funds

3 Reasons you’ll Find This a Great Use of Your Time

Save Money

We have specialists who can understand where you can get the best bridging to suit your situation at the best rates. We can get it done.

Save Time

For many of our clients, the clock is ticking. They don’t have time to waste. We ensure we get things done & that we offer value at every step.

Work with Experts

Our expert team specialise in funding projects just like yours every day, and we strive to do it better than anyone else. We have access to alternative funding resources unavailable to other brokers and we are great at what we do.

Top Questions from New Customers

If the project is straightforward it can be completed in 3 days, but it could take up to 3 weeks for completion to take place depending upon the complexities of the situation. By completing our assessment, we will be in a better position to help you to minimise the time taken.

A bridging loan is a short-term finance option for buying property. It ‘bridges’ a financial gap. With property, this can be a bridge between purchasing a property & having the funds available for that property from the sale of another. With projects & developments the bridge enables the project to be completed so that the building can then be mortgaged or sold.

Absolutely. Please remember that lenders would usually ask controlling & majority shareholders to sign a  personal guarantee.

Providing it’s a commercial freehold asset that neither you or your family have or intend to occupy the property, lending can be secured up to & over £5M at a 75% loan to value (LTV).

 

The largest loan we’ve worked on is £489 million so try us!

This is our greatest strength. We can help you ‘begin with the end in mind’ giving you confidence of how you will be able to exit from the bridge & onto which lending & at what rate.

We are paid a fee by the lender. This fee has no impact upon the cost of the lending to you or the rate that you will pay. For certain types of loan where a significant amount of work will need to be undertaken, we charge an onboarding fee in order to cover the costs of arranging the loan (as it can take many hours to arrange whether the loan is used or not).

Every case is a little different, and with hundreds of lenders and thousands of products available, it is important to speak with our whole-of-the market brokerage experts to ensure you are matched to the most suitable and competitively priced product.


Our team specialise in adding value to your project. By speaking to one of our team, you may discover there’s a better way to fund your project, with greater flexibility in the deal and a far more competitive rate available. 


We are property investors and developers ourselves, so we understand what matters to you most & we know how to get things done quickly. This approach separates us from other brokers who are mostly ex-bankers and who will often only view a case from the bank’s point of view. We take a much more realistic and real-world approach to funding. A solely online lending experience would not allow us to get to know the individual behind their project, which in our view, is one of the most important factors in decision making.


Equally, by speaking with you directly we can better understand your long-term goals, for example, we may be able to arrange exit funding in advance of you taking out a bridging loan, giving you peace of mind as to what will happen when the bridging loan term ends.

We’ll give you one point of contact who will understand your situation & what you are trying to achieve. Our team will run around behind the scenes but we’ll ensure that you’ve got one point of contact to make things efficient for you & that we are able to get things moving.