Bridging Loans, HMO Mortgages & Specialist Finance
Louis Chalk
Louis Chalk is an Associate Director and Head of Specialist Lending at Trinity Finance, with over 11 years of experience in the mortgage and property finance sector.
Since joining the firm in 2014, Louis has become widely recognised as a specialist in complex and bespoke finance solutions—helping clients secure lending for projects and purchases that fall outside of mainstream criteria.
Specialist Areas of Expertise
Louis has built a reputation as one of the UK’s go-to advisers for:
- Bridging Finance – Short-term property finance for purchases, refurbishments, chain breaks, and auction acquisitions.
- HMO Mortgages – Tailored solutions for professional landlords developing or refinancing Houses in Multiple Occupation.
- Limited Company Buy-to-Let Mortgages – Tax-efficient mortgage structures for portfolio landlords using SPVs.
- Auction Finance – Fast-track mortgage and bridging facilities to complete within strict auction deadlines.
- Commercial Mortgages – Lending solutions for retail, office, semi-commercial and investment properties.
Why Clients Choose Louis
- Specialist Knowledge: Decade-long track record structuring bridging and HMO finance for property investors.
- Speed & Efficiency: Trusted for navigating auction purchases and delivering funds within tight deadlines.
- Tailored Strategies: Advises on limited company buy-to-let mortgages to help landlords optimise tax efficiency.
- Commercial Expertise: Works with both owner-occupiers and investors on commercial mortgage solutions.
- Trusted Broker: Known for his clear communication, transparent advice, and commitment to long-term client success.
“Louis guided me through a complex HMO remortgage and secured bridging for my auction property—all within a tight timescale. Professional, approachable and highly knowledgeable.”
Client Testimonial
Our Strategic Edge: Louis at Trinity Finance
Louis exemplifies Trinity Finance’s mission to become the UK’s leading specialist mortgage broker:
Expertise Area
Bridging Finance
HMO Mortgages
Limited Company Buy-to-Let
Auction Finance
Commercial Mortgages
Why It Matters to Clients
Fast completions for time-sensitive purchases, auctions & refurbishments.
Access to lenders who understand multi-let investments.
Optimised lending for landlords building professional portfolios.
Ensures purchases complete within 28-day deadlines.
Supports expansion into business & investment properties.
FAQ’s
Can I use bridging finance for an auction property?
Yes—Louis frequently arranges bridging loans for auction purchases, ensuring you can meet the 28-day completion requirement.
What are the benefits of using a limited company for buy-to-let?
Using a limited company (SPV) can provide tax advantages and greater portfolio flexibility—Louis advises landlords on the best structure for their needs.
How difficult is it to get an HMO mortgage?
Lenders often view HMOs as higher-risk, but Louis specialises in placing applications with lenders who understand professional landlord models.
Can I get a commercial mortgage as a first-time investor?
Yes—Louis has helped first-time and experienced investors secure commercial mortgage funding, tailoring the finance to match investment goals.
More about Louis Chalk
Louis has worked in the financial services industry for the last 11 years. Beginning his career at Barclays, he has undertaken many different roles, which have helped him to advise people through the different stages of their financial journeys. Having left Barclays, he decided to specialise in what he felt was his strongest area and joined Countrywide Mortgage Services before joining Trinity Finance in November 2014. Needless to say, it was the best move he could have made!
Having worked across the whole of South London – mainly Clapham, Battersea and Crystal Palace – Louis is now predominantly based in South East London where he has office space not only at our head office in Welling but also in Catford and Lewisham. He can advise on all types of mortgages, whether you are looking to buy your first home, are looking to explore property as an investment or he is helping to find a great rate for your upcoming remortgage. He has extensive knowledge of the different property types you may encounter due to the areas he has covered and is an expert in the government’s Help to Buy and affordable housing schemes.
His clients would say he always goes the extra mile to ensure everything is understood. Louis is always on call to answer any questions as he values timely communication to be one of the most important parts of his role. Please check out some of his reviews to see for yourself!
Outside of the mortgage world, you will find Louis socialising with his friends, attempting to get down to the gym as much as possible and he is an avid football fan.