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                                    Product types Bridging, auction, development exit and refurbishmentCharges 1st, 2ndFunding model Equity, private and institutional investors, and funding linesFCA regulated NoInterest range From 0.69%Fixed/variable interest FixedTreatment of interest and default interestRolled up, retained and serviced. We charge interest daily instead of monthlySectors Residential, commercial and semi-commercialMax LTV 70% residential; 65% commercial and mixedMax LTGDV N/AMax LTC N/AMin and max loan term 3–18 monthsMin and max loan size £100,000–£3mMin property value £200,000 Valuation retypes Case-by-caseRental calculations and exposureN/AGeographical lending areas England and ScotlandTypes of valuation accepted Red BookNew builds YesHeavy refurb YesGrade listed buildings YesGreen/sustainable product NoPlanning permission needed YesCommission rate Up to 2.25%Associations/charters NACFB and ASTLTypes of landlords accepted Ltd co, individual, first-time landlords and portfolio Upfront fees NoBroker portal NoEarly redemption charges NoInvestment YesOwner occupied NoElectronic signatures accepted NoLending on land NoLender Index | 61
                                
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