Page 75 - The Index
P. 75

                     Specialism/USP Speed, certainty, flexibility
  Charges 1st, 2nd
  Funding A combination of institutional and retail investors
  FCA Regulated Yes
  Interest Range From 4.99% pa
  Base Rate N/A
  Security Types Residential, commercial, investment, development, semi- commercial
  Unacceptable Security Types N/A
  Treatment of Interest Rolled, retained, serviced
  Max LTV 75%
  Max Loan to GDV 70%
  Max Loan to Cost 85%
  Min/Max Loan Term 1 month-25 years
  Min/Max Loan Size From £50k (no maximum)
  Geographical Lending Area England
  New Builds Yes
  Refurbishment Yes
  Conversions Yes
  Grade Listed Buildings Yes
  Mixed Schemes Yes
  Planning Permission Needed Yes
  Commission Rate 0.8-2.5%
  Associations ASTL, NACFB, FIBA
  Upfront fees No
  Early Redemption Charges Yes (where applicable)
  Investment Yes
  Owner-occupied Yes
  Interest-only Options Yes
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