About Us

Ltv      Rates  1st Charge   2nd charge

• 40%        0.75%        0.80%
• 50%        0.80%        0.90%
• 55%        0.85%        0.95%
• 60 %       0.90%        1.05%
• 65%        0.92%        1.10%
• 70%        0.95%         1.15%

2% Arrangement Fee    No Exit Fee

Clean Credit, Clean Title, Defined Purpose, Evidenced Exit

Acceptable Security:

• Residential
• BTL
• HMO Semi-Commercial
• Light and Moderate Refurbs
• Land and Commercial priced separately +0.2%

Valuation Only nothing else is needed so no delays

Ltv      Rates  1st Charge   2nd charge

• 40%        0.90%        0.99%
• 50%        0.95%        1.10%
• 55%        0.99%        1.15%
• 60 %       1.10%        1.25%
• 65%        1.25%        1.30%
• 70%        1.30%        1.35%

2% Arrangement Fee 1% Broker fee. Exit fee 1 months interest

Valuation only the following are acceptable

• Refused Consents 
• Unprovable Income
• Equitable Charges
• 3rd Charges
• Flexible Purposes 
• Flexible Exits

Acceptable Security

• Residential
• BTL
• HMO Semi-Commercial
• Light and Moderate Refurbs
• Land and Commercial priced separately +0.2%

How does it work?

We can do 100% of the purchase price or 70% of the open market value.

example:  John pays £200,000 for a property worth £300,000.

On this scenario we would lend 70% of the OMV which is 70% of £300,000  i.e. £210,000  

in 6 months time an ordinary 85% LTV BTL re-mortgage could be used to refinance away from the Bridging Loan. So a £255,000 BTL mortgage is enough to clear the Bridge Loan and raise extra cash.