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                                    Product types All unregulated lending, regulated, refurbishment, development and development exitCharges 1st and/or 2nd; 1st and 2nd charge combined on regulatedFunding model Institutional lines, retail bonds and investment funds FCA regulated YesInterest range Bridging from 0.89Þvelopment from 6.50% + BBRFixed/variable interest Both depending on productTreatment of interest and default interestRolled, retained, stepped or serviced (depending on the product)Sectors Residential, commercial, development and landMax LTV Unregulated bridging: 85%Regulated bridging: 60%Max LTGDV 70%Max LTC 90%Min and max loan term Bridging: Up to 18 monthsRegulated bridging: Up to 12 monthsMin and max loan size Bridging: £75,000 up to £30m on resi (min on commercial and land is £150,000)Development: £1m up to £20mMin property value N/AValuation retypes N/ARental calculations and exposureN/AGeographical lending areas England, Scotland and Wales.Types of valuation accepted AVMs, retypes and Red BookNew builds YesHeavy refurb YesGrade listed buildings YesGreen/sustainable product Yes, BTL EPiC range. Rates for environmentally friendly propertiesPlanning permission needed NoCommission rate From 1.00%Associations/charters NACFB, FIBA, ASTL, UK Finance and IMLATypes of landlords accepted Ltd co, individual and portfolioUpfront fees NoBroker portal YesEarly redemption charges NoInvestment YesOwner occupied YesElectronic signatures accepted YesLending on land YesLender Index | 57
                                
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