TBK Mortgage Studio

TBK Mortgage Studio Mortgages for Property Investors & Developers 🏠 🔨🧱👷‍♀️ Entered on the FCA Register (https://register.fca.org.uk/) under reference 441505.

The Brokerage (Kent) Limited T/AS TBK Specialist Finance is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority. The FCA does not regulate some Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. Your property may be repossessed if you do not keep up repayments on your mortgage.

I've spent so much of my life in survival mode, I forgot how to live.At 18, I moved out and within months found myself h...
15/06/2026

I've spent so much of my life in survival mode, I forgot how to live.

At 18, I moved out and within months found myself helping to care for a man dying of cancer, supporting a teenage boy who was losing his dad, and trying to build a future while life unravelled around me.

I worked 7 days a week.

I fought for years to buy a house.

I launched a business with no safety net and more determination than resources.

I've lived out of my car.

I've rebuilt after heartbreak.

I've left an abusive relationship whilst pregnant to protect my daughter.

For years, my focus was simple:

Get through today.

Pay the bills.

Keep going.

Don't give up.

Build something better.

So I did.

I built the business.

I built the stability I'd spent years searching for.

Most importantly, I built a future for the little girl who gave me a reason to keep fighting when life felt impossibly hard.

This photo isn't special because it's a great photo.

It's special because the woman in it is genuinely happy.

Not because life is perfect, but because after years of surviving, I'm finally giving myself permission to live.

And if you're in survival mode right now, keep going.

You are far stronger than you think. ❤️

Honoured to be a guest speaker at this event, hosted by the fabulous and inspirational Rochelle Gilburn 💫 Excited to spe...
11/06/2026

Honoured to be a guest speaker at this event, hosted by the fabulous and inspirational Rochelle Gilburn 💫

Excited to speak about all things bridging finance! 🏚️ ➡️ 🏠

✒️29th June
📍London, Kings Cross



Rochelle Gilburn - Property Portfolio Builder

If this is your day to day 👷🏼‍♂️ Your "office" 🔨 But you've got no idea how to buy stuff like this yourself, then that's...
10/06/2026

If this is your day to day 👷🏼‍♂️

Your "office" 🔨

But you've got no idea how to buy stuff like this yourself, then that's why TBK Mortgage Studio was built 👋🏼

For you 🫵🏼

I work with tradesmen & tradeswomen to turn their site knowledge into their own property investment projects, using bridging & development finance strategically, locally in Swansea & South Wales 📍

If you could price a refurb standing on your head, plaster a wall, fit a kitchen, rewire a house or install a bathroom and are just fed up of doing it for other people, you're already "experienced", which is half the battle, and I bet you'd rather line your own pocket with property income than just helping others fill theirs 👀

Message me "trade" via WhatsApp on 07984 362266📱



OR, you can book in here ⬇️

https://tbkmortgagestudio.com/get-in-touch

A few years ago, if you'd told me I'd be writing a book, I might have laughed 👀 How the hell will I find time for that?!...
03/06/2026

A few years ago, if you'd told me I'd be writing a book, I might have laughed 👀

How the hell will I find time for that?! 🤯

I spend most of my time talking about bridging, development finance, refurb projects and helping investors get deals over the line 🙌🏼
..definitely not writing books! ✒️

Yet somehow, after tonnes of site visits, thousands of conversations and more "you're not going to believe what's happened now..." phone calls than I can count, I've ended up with a manuscript 👏🏼

The cover design is being created 🖌️

The final editing stage is underway, which means this thing is actually becoming real 😱

The funny thing is, none of it came from sitting behind a desk. 👷🏼‍♂️

It came from dusty shoes on building sites, from watching projects go brilliantly, from watching projects go horribly wrong, from learning alongside clients who do this everyday. 🔨

This book isn't just theory ⬇️

It's everything I've learned from being in the middle of real projects with real people 🏠 ➡️ 🏚️

More updates very soon 😁

And yes... I'm slightly terrified! 😨

Most refurb projects don't get rejected because they're "bad deals."They get rejected because the lender sees risks the ...
01/06/2026

Most refurb projects don't get rejected because they're "bad deals."

They get rejected because the lender sees risks the borrower hasn't considered.

When it comes to bridging, lenders aren't looking for perfection, they're looking for confidence that the numbers stack up, the timeline is realistic, and there's a clear way out.

In my latest article, I break down:

✅ How lenders assess refurbishment projects
✅ What counts as light, medium and heavy refurbishments
✅ The budget mistakes that raise red flags
✅ Why timelines matter more than most people realise
✅ How exit strategies influence approval

If you're using bridging finance for a refurb project, or thinking about your first deal, understanding how lenders think can make the process far less stressful.

Have a nosey at the full article here ⬇️✒️

https://tbkmortgagestudio.com/blogs/f/how-bridging-lenders-assess-refurbs-costs-timelines-risk

20/05/2026

“How much money do I actually need to get into property?” 👀

Probably one of the most common questions we get asked, and most people massively overestimate it 🫨

That’s not to say property investing is cheap or risk free, because it absolutely isn’t, but a lot of first-time investors focus purely on purchase price without understanding how deals are structured properly, especially with refurbishment projects 🏚️ ➡️ 🏠

Understanding the numbers properly matters FAR more than just having loads of cash sat in the bank.

We’ve just put together a full article breaking down:

✔️ what costs are actually involved in a first deal

✔️ how refurb projects are funded

✔️ why standard mortgages often don’t work

✔️ how bridging finance fits into the process

✔️ how tradespeople often have a massive advantage in property

✔️ and why planning your exit from day one is critical

One thing I will always say is that the people who usually struggle most in property are the ones who rush in without understanding the numbers.

The people who tend to do well are the ones who work with someone to structure deals properly from the start.

If you’re considering your first project, especially a refurb/BRRR deal, hopefully this gives a bit more clarity around what’s actually involved!

Find the full article here ✒️

https://tbkmortgagestudio.com/blogs/f/how-much-money-do-you-need-to-invest-in-your-first-property-deal

TBK Mortgage Studio was born from frustration more than anything else ☠️ I worked so hard in this industry for years and...
20/05/2026

TBK Mortgage Studio was born from frustration more than anything else ☠️

I worked so hard in this industry for years and constantly felt overlooked when it came to progression. I knew what I was capable of, but I also knew I wanted to do things differently. So eventually I thought… f*** it, I’ll build it myself 👏🏼

Most of our clients are tradesmen and tradeswomen who have always wanted to get into property investing but had absolutely no idea where to start with the finance side. They know property, how to add value, how to work harder than most people ever will. But bridging? Development finance? Exit strategies? Portfolio strategising? 🏠 🫨

That’s where we come in 👋🏼

We don’t just chuck a mortgage offer over and disappear 👀

We’ll walk sites with clients, talk through deals, explain the numbers properly and every other important factor involved with selecting a lender. We hold their hand through their first bridge and help them understand how investors actually build portfolios 👷🏼‍♂️

Seeing clients who once thought “people like me don’t do property investing” now buying projects and building portfolios of their own… honestly there’s no better feeling 🥹

It's beyond passion to me, so I've written a book aimed specifically at tradespeople wanting to get into property investing but who don’t understand the finance side of it. Because there are SO many people out there capable of doing this, they just need the knowledge and someone in their corner. I can't wait to share more on this! 📖

TBK has grown from just me to 5 and single one of us works ridiculously hard for our clients. Watching our team grow and progress has genuinely become one of my favourite parts of it all 🩵

And the best bit?

Everything we’ve built has been organic. No bought business, just social media, referrals, relationships, and clients trusting us enough to recommend us to others 🙌🏼

Thank you to every single client, lender, introducer and supporter who’s backed us so far. We’re only just getting started 😁

18/05/2026

“BRIDGING IS DANGEROUS!” ❌

“DON’T USE BRIDGING.” ❌

“IT’S EXPENSIVE.” ❌

Have you ever heard this? ☠️

Usually from people who’ve either never used it properly… or don’t understand how powerful it can be in the right hands 🦸🏼‍♀️

Here’s the truth ⬇️

Bridging finance isn’t dangerous, poor planning is 😬

Property investors use bridging every single day to ⬇️

🏚 Secure deals fast
🔨 Refurbish unmortgageable properties
🏡 Convert, add value, and refinance
⏳ Beat slow chain-dependent buyers
💰 Access opportunities that standard mortgages simply can’t touch

Yes, bridging "costs more" than a traditional mortgage if you're purely looking at the rate of interest, but if speed creates profit, then the cheapest money isn’t always the smartest money (especially when you factor in ERCs etc on a standard mortgage and turning a refurb round quickly - I could talk about this all day)... I yap about it so much that I've decided to write a book about it (COMING SOON) 📖

The investors who are scaling understand one very important thing ⬇️

👉 Finance is a tool.

Bridging isn’t for every deal, but for the right deal it can be the difference between watching opportunities pass by, and winning them.

“What is the cost to you of NOT being able to move quickly?”

I know this first hand, having now just finally completed the work on my first refurb. I could not have bought the property without bridging, and I'm now cycling my funds via a BTL mortgage and renting the property out 🔑

"Mummy, why do you have to go to work?" "So I can pay for more holidays" ☀️ "Ok mummy, you can go to work ALL DAY" 👋🏼 Ho...
18/05/2026

"Mummy, why do you have to go to work?"

"So I can pay for more holidays" ☀️

"Ok mummy, you can go to work ALL DAY" 👋🏼

Honestly… that was all the motivation I needed 😂

Behind every call, every challenge, and every late night researching the best terms for clients, is this little girl and the life I’m building for us ❤️

Most people know me as the person arranging refurb finance & BTLs… but what I actually do is empower investors with the skills they need to grow.

Teaching them how to borrow funds to refurbish tired properties into something incredible, either to sell or retain & rent out.

How to scale from one buy to let into full developments and commercial projects.

At TBK Mortgage Studio we specialise in:

🏡 Buy to Let
🏘️ Specialist BTL (Ltd Co, HMO, MUFB, complex structures & property types)
🔑 Bridging Finance
🏢 Commercial Finance
🏗 Development Finance

We work with property investors growing portfolios, funding refurbs and scaling their businesses.

So yes… Mummy has to work ALL DAY but Mummy loves it😂

But moments like this make every bit of it worth it.

You can book a chat here: ⬇️

https://tbkmortgagestudio.com/get-in-touch

WhatsApp me on 07984 362266 📲

Or 📧 [email protected]

Address

Swansea

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+441792677063

Website

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