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Specialism/USP Specialist Mortgage Lender – short-term loans, BTL & HMO, Semi-commercial & Commercial
Charges 1st
Funding Deposits
FCA Regulated Yes
Interest Range Bridging & STL rates from 0.55% pcm, BTL & HMO from 4.19%, Semi-commercial from 4.99% and commercial from
5.95%
Base Rate Minimum LIBOR 0.50%
Security Types Residential, commercial and semi-commercial
Unacceptable Security Types Equestrian centres, pubs, care homes
Treatment of Interest Rolled, serviced
Max LTV 75%
Max Loan to GDV 75%
Max Loan to Cost N/A
Min/Max Loan Term Short-term 2 years, term 2–30 years
Min/Max Loan Size £100k-£5m
Geographical Lending Area England & Wales
New Builds Yes
Refurbishment Yes
Conversions Yes
Grade Listed Buildings Yes
Mixed Schemes Yes
Planning Permission Needed Yes
Commission Rate By agreement
Associations NACFB
Upfront fees No
Early Redemption Charges Short-term - no, term - yes
Investment Yes
Owner-occupied Yes
Interest-only Options Yes up to 10 years
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