Overview

Heavy Refurb Range

This product is designed to cater for borrowers who wish to add value to their investment by undertaking conversion works.

Borrowers can apply as individuals or through limited companies and the types of heavy refurbishment accepted include basement digs, loft conversions, completing a development project and commercial conversions to residential.

Criteria:

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-24 months
• Residential and semi-commercial property
• No exit fees or ERCs
• 100% of build costs available
• Further draw-downs available

Residential Range

Common uses include the purchase of an investment property where time if of the essence, completing light refurbishments on an investment property and buying at auction.

Criteria:

• Up to 70% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st and 2nd charge loans
• Residential and semi-commercial assets
• Gifted deposits considered
• No exit fees or ERCs

Bridging Loans

When your client needs a bridging loan, they want a fast and stress-free process. By adopting a common-sense approach and a streamlined service, we prevent your clients from missing out on any time-sensitive opportunities that come their way.

Investment purchase

• Up to 70% LTV
• Loans from £50,000
• 1st and 2nd charge loans
• Terms from 1-24 months
• Residential, commercial & semi-commercial assets
• No exit fees or ERCs
• Undervalue transactions
• Pre-approved funds for auction purchases

Light refurb

• Up to 70% LTV
• Loans from £50,000
• 1st and 2nd charge loans
• Terms from 1-24 months
• Residential, commercial & semi-commercial assets
• No exit fees of ERCs
• Unmortgageable properties accepted

Heavy refurb

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-24 months
• Residential and semi-commercial property
• No exit fees or ERCs
• 100% of build costs available
• Further draw-downs available

Second charges

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-24 months
• Residential, semi-commercial property
• Business purposes on main residential properties
• No exit fees or ERCs

Regulated Bridging Loans

Our regulated bridging products are designed to be fit for purpose, with an emphasis on speed and efficiency. We have stripped back to the essentials, focusing on the necessary, empowering your client to quickly unlock equity from their home.

Residential Purchase

• Up to 70% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st & 2nd charge loans
• Residential and semi-commercial assets
• Gifted deposits considered
• No exit fees or ERCs

Refinance

• Up to 70% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st and 2nd charge loans
• Residential and semi-commercial assets
• Adverse credit considered
• No exit fees or ERCs

Refurbishment

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-12 months
• 1st and 2nd charge loans
• Residential and semi-commercial assets
• Heavy and light refurb transactions
• 100% of works funded upfront
• No exit fees or ERCs

Second Charges

• Up to 65% LTV
• Loans from £50,000
• Terms from 1-12 months
• Residential and semi-commercial assets
• Heavy and light refurb transactions
• No exit fees or ERCs

Buy-to-let Mortgages

Securing a buy-to-let mortgage for your client shouldn’t be a complex ordeal. If you are looking for a lender who believes a hands-on and clear-cut approach is best and delivers a solution with ease.

Standard Residential

• Up to 80% LTV
• ICR from 125%
• Minimum loan £25,001 (refer to criteria for ex-local)
• England and Wales only
• Individuals and limited companies
• Adverse credit considered
• Holiday lets considered (loan based on AST)
• 28sqm minimum size

HMO

• Up to 75% LTV
• ICR from 125%
• Minimum value £100,000 (outside of London)
• England and Wales only
• Individuals and limited companies
• Adverse credit considered
• 10 beds maximum
• 12 months experience as a landlord

MUFB

• Up to 75% LTV
• ICR from 125%
• Minimum loan £100,000 (outside of London)
• England and Wales only
• Individuals and limited companies
• Adverse credit considered
• 12 months of experience
• More than 4 units in a block loan capped at £700,000

Semi-commercial

• Up to 75% LTV
• ICR from 125%
• Minimum loan £100,000 (outside of London)
• England and Wales only
• >40% commercial element
• Individuals and limited companies
• Adverse credit considered
• Loan based on residential rents and value
• 12 months of experience
• More than 4 units in a block loan capped at £700,000