Lender Criteria

Bridging – Residential Property

• Regulated – up to 75%
• Unregulated – up to 85%
• Second Charge – up to 75%
• BTL refurbishment – up to 85%
• Auction Purchase – up to 85%
• Below market value purchases – 100% of purchase price (without additional security)
• 70% Net loan, day 1 release, with 100% cost of works funded
• 100% options with additional security (i.e. other property)
• Rates from 0.55% per month
• Full Valuations carried out, Desktop Valuations/Drive-by valuations and AVMs now up to 75%

Bridging – Commercial Property

• Semi-Commercial up to 75% LTV
• Commercial up to 70% LTV
• Rates from 0.78% per month

Commercial Mortgages

• Available up to 75% LTV
• Rates from 2.75% + Bank of England Base Rate
• Trading businesses, Semi-commercial (such as a shop with a flat above), Mixed portfolio, Standard commercial property

Specialist Buy to Let and Residential Investment

• Available up to 80% LTV
• Multiple units on one title
• HMO/student lets – investment valuation/brick and mortar valuation
• Holiday lets/Serviced accommodation
• Portfolio finance
• Blocks of flats