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                                    Product types BridgingCharges 1st, 2ndFunding model Senior funding facilities FCA regulated YesInterest range Unregulated: from 0.94% Regulated: from 0.84% Fixed/variable interest FixedTreatment of interest & default interestRolled for regulated and retained, rolled and serviced as options on unregulated. Default interest discretionary on a case-by-case basis Sectors Residential, commercial, mixed commercial, BTL, HM, MUFB and Investment Max LTV 75%: regulated and unregulatedMax LTGDV 75%Max LTC 90%Min & max loan term 1–12 months for regulated; 3–24 months for unregulatedMin & max loan size £100,000–£10mMin property value £150,000Valuation retypes Yes, at underwriter’s discretionRental calculations & exposure N/A Geographical lending areas England, Wales and Scotland Types of valuation accepted Full valuations required, short form or Red Book. AVM can be considered on regulatedNew builds YesHeavy Refurb YesGrade listed buildings YesGreen/Sustainable product Not currentlyPlanning permission needed YesCommission rate Up to 2% Associations/Charters ASTL, FIBA and NACFBTypes of landlords accepted Ltd co, LLP, individual, joint venture and portfolioUpfront fees YesBroker portal NoEarly redemption charges Yes, minimum interest applies to loans under 3 months (unregulated) and under 1 month (regulated)Investment Yes Owner occupied YesElectronic signatures accepted Yes Lending on land Yes, land with planning; max 60% LTVLender Index | 43
                                
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