The Intermediary – May 2025 - Flipbook - Page 32
The Interview.
Interbridge Mortgages
Jessica O’Connor speaks with Jonny
Jones, CEO at Interbridge Mortgages,
about record-breaking growth, tech-led
innovation, and why automation
should never come at the expense of
a human interaction
hen The Intermediary
first sat down with
Jonny Jones in
2024, Interbridge
Mortgages was
the newest name
in second charge
lending, promising
to bring a fresh, streamlined approach to
the market. Just launched and brimming
with ambition, the lender was positioning
itself as a responsive, tech-forward partner
to intermediaries – aiming to cut through
complexity with clarity and flexibility.
Over 12 months later, Interbridge has not only
lived up to that early vision, but helped redefine
expectations in the rapidly evolving second
charge sector.
With a paperless application journey and
a product range tailored for borrower needs,
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The Intermediary | May 2025
Interbridge has made a significant impact on the
second charge space.
This success has not happened in isolation.
The wider second charge mortgage market has
seen remarkable growth, as the second half of
2024 marked a 17% rise in total lending value,
according the Finance & Leasing Association
(FLA), with volumes not seen since before the
Global Financial Crisis in 2008.
As more consumers seek alternatives to
traditional remortgaging – driven by rate
sensitivity and a need for flexibility – second
charge loans have become one of the fastestgrowing sectors of the UK mortgage market. In
that context, Interbridge’s entry could hardly
have been better timed.
In this special follow-up, The Intermediary
reconnects with Jones to reflect on Interbridge’s
first year, unpack how the business has
navigated opportunity and challenge alike,
and explore what is next – both for the lender
and the second charge market it now helps
to shape.
Exceeding expectations
Interbridge Mortgages has completed its first
year in the market with momentum. From day
one, the goal was clear: bring quality products,
top-tier service, and a smoother journey to
the second charge mortgage market – and the
reception has been overwhelmingly positive.
Jones says: “We’ve been received extremely
well by brokers.
“We’ve got a very experienced team, and
many people had established relationships with
brokers already.
“Brokers knew that when we came to market,
we would bring a high level of service and very
high-quality products to their customers.”
That trust has translated into real business.
In just 12 months, Interbridge Mortgages has
originated over £260m in loans – a figure that
comfortably outpaced expectations, both
internal and external.
Nevertheless, volume is not its only marker of
success. For Interbridge, service has been just
as important as scale, and arguably even more
central to its identity.
“It’s relatively easy for a lender to deliver
volumes and do that in a shabby or loose way,”
Jones notes.
