Page 99 - The Index
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         Specialism/USP Lending less ordinary on bridging, development and buy-to- let. We are agile and provide exceptional service and speed.
  Charges 1st, 2nd
  Funding Institutionally backed by multiple funding lines
  FCA Regulated No
  Interest Range From 0.65%
  Security Types Residential, semi-commercial, commercial, investment, development
  Treatment of Interest Rolled, retained, serviced
  Treatment of Default Interest Higher rate is applied as per loan terms
  Max LTV 75% bridging, 65% development, 75% BTL
  Max Loan to GDV 70%
  Max Loan to Cost 100%
  Min/Max Loan Term 3-24 months
  Min/Max Loan Size £75k-£3m
  Geographical Lending Area England, Scotland and Wales
  Types of valuation accepted AVMs, re-types, physical
  New Builds Yes
  Refurbishment Yes
  Conversions Yes
  Grade Listed Buildings Yes – Grade II only
  Mixed Schemes Yes
  Planning Permission Needed Yes
  Commission Rate From 1%
  Associations FIBA, ASTL, NACFB
  Upfront Fees Valuation and legal fees – charged at cost
  Early Redemption Charges Term loans only
  Investment Yes
  Owner-occupied Business purposes only
  Interest-only Options Yes – repayment options also available on term loans
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