Our team is always available for you because the human touch still matters.

From the outset, the relationship between brokers and lenders has always been fundamental to success, and it’s one I’ve had the privilege of managing for many years. While digital tools came to the forefront during the 'Covid' years, I’ve seen firsthand that the value of in-person connections is more crucial than ever. ?

In fact,?Hospitality Net?research underscores?how much face-to-face meetings contribute to business impact. A recent study revealed that 35% of professionals globally agree that in-person meetings are a valuable investment of both time and costs and 92% of professionals stating that in-person meetings are crucial for engaging external clients.?

At TAB, I constantly remind my sales team, "meetings, meetings, meetings!" and I practice what I preach. It's not about enjoying a day out; it's about making progress. According to the research, one in-person meeting is often as effective as three virtual ones, emphasising that face-to-face interactions foster deeper relationships and more impactful business results.?

We prioritise this because face-to-face interactions drive results. In the world of specialist finance, it's not only about the products we offer but also about the complex deals brokers manage every day.

More often than not, discussing cases in person helps iron out the nuances and reach practical, swift solutions to get deals done. Building rapport is key to successful partnerships; it's about establishing trust and understanding before diving into individual deals. Once a solid relationship is in place, these deals can be communicated efficiently through online channels, emails and other digital means, ensuring the process remains smooth and streamlined.??

At TAB, our team is always available for you, because the human touch still matters. If you haven’t met our team yet, we’d love to hear from you. In the meantime, keep reading to find out what’s been going on this month.? ?

Sentiment survey highlights?

TAB’s 2025 broker sentiment survey results highlight a specialist lending market that is navigating economic challenges, with high base rates and affordability concerns impacting borrower and broker confidence. ?

However, demand from international investors and first-time buyers is growing, and opportunities remain for adaptable lenders. Bridging loans, buy-to-let mortgages, and commercial finance continue to dominate, while regional trends show strong activity in the North and Midlands. Brokers also emphasise the need for technology-driven solutions to streamline lending processes.???

Want to dive deeper into the insights??

Read the full write up

Investing with TAB

At TAB, we offer two investment opportunities designed to cater to a variety of investor needs: bridging loan investments and fractional property investments.?

Our bridging loan investments offer investors a way to gain exposure to short-term lending with average returns of 10.03% pa. These investments are backed by property assets, providing security while meeting the fast-moving financial needs of borrowers.

How TAB Lending works:?

• Investors fund bridging loans, which are short-term property-backed loans ranging from one to 24 months?
• TAB carefully underwrites each loan, ensuring the property serves as strong security and that risks are well-managed?
• Investors can choose the loan terms and interest rates that best suit their preferences, offering flexibility while earning fixed returns?

With a focus on risk mitigation, security and attractive returns, bridging loan investments provide a compelling opportunity for those seeking short-term, asset-backed income.?

Our fractional property investments offer access to premium UK real estate with average returns of 13.44% pa. By dividing properties into fractions, we make it easier to invest in premium UK real estate, share rental income and potential profit, and diversify portfolios across multiple properties - reducing risk while maximising opportunities and without the need for significant upfront capital.?

How TAB Property works:?

• TAB meticulously evaluates properties with a focus on long-term sustainable income or significant potential for capital appreciation. Our portfolio encompasses a variety of income-generating assets, including hotels, office buildings and retail
• Investors can begin with investments as modest as ￡1,000, making high-value real estate more accessible?
• Each property allows multiple investors to collectively own and benefit from the asset?

Owners receive a proportional share of rental income and any capital gains realised at the end of the term. Fractional ownership enables investors to spread their capital across multiple properties, mitigating the impact of any single asset's performance and enhancing overall portfolio resilience. TAB also manages all aspects of property maintenance and tenant relations, ensuring a hassle-free investment experience, with reserve funds in place to cover unforeseen expenses and safeguard investor interests. By choosing TAB Property, investors gain access to institutional-grade opportunities that were once exclusive to large-scale investors.? ?

Register to invest today

Refer a friend

At TAB, we also offer a refer a friend scheme for those who want to share our investment opportunities with others. If you refer a friend or family member to us and they invest, you receive a commission each month as a thank you for helping expand our community of investors. ?

It's a win-win: you get rewarded, and your referral gains access to our high-quality bridging loan and fractional property investments. We believe in building relationships that benefit everyone, and this scheme is just one of the ways we show our appreciation for your trust and support.? We’d love to host you and your friend for coffee or lunch if you’d like to discuss things further - just reach out to the investor team to book it in.? Prefer to skip the chat and get straight to it?

Simply send them an invite via email copying in [email protected], and we’ll ensure they know how to register with your name included!? ?

NACFB Commercial Finance Expo

We’re excited to announce that the team will be attending the NACFB Commercial Finance Expo on 11 June 2025 at the NEC in Birmingham. While it’s still a few months away, now’s the perfect time to start planning your visit. ??

Our sales team and underwriters will be on hand at our stand, ready to answer your questions and discuss all things bridging and commercial finance. Whether you’re a broker or borrower, this event is a great opportunity to explore the latest in the market.? For more information and to register, visit the NACFB website. We look forward to seeing you there!?

Staying safe online

In today’s digital world, staying safe online is more important than ever. Cybercriminals use phishing emails to trick you into revealing personal information, such as passwords or financial details. These emails often look legitimate, imitating trusted companies or colleagues, but there are key warning signs to watch for. ?

Be cautious of urgent requests, unfamiliar senders, poor spelling or grammar, and suspicious links or attachments. If something feels off, don’t click, verify the sender through a separate, official channel. Protect yourself by using strong passwords, enabling multi-factor authentication, and staying alert to online threats. Stay vigilant, and think before you click!?

Until next month,

DK

Founder and CEO

TAB. Trust. Transparency.

News in numbers

0.75%

decrease in the Bank of England base rate over the past year ?

4.6%

ONS House Price Index shows year-on-year growth in December ?

43%

of roles on FTSE 350 boards are held by women ?

220

one, two?and three UK Michelin-starred restaurants awarded or retained stars in 2025