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                                    Product types BridgingCharges 1st, 2ndFunding model HNWs and institutionalFCA regulated NoInterest range Bridging from 1%Fixed/variable interest VariableTreatment of interest and default interestMany loans fully retained. We also do part serviced, part retained. If the loan isn't redeemed on time, a 5% fee is appliedSectors Residential, commercial and semi-commercialMax LTV 75%; however, we can go to 85% based on BMVMax LTGDV N/AMax LTC N/AMin and max loan term No minimum, maximum 24 monthsMin and max loan size No minimum, no maximumMin property value N/AValuation retypes YesRental calculations and exposureN/AGeographical lending areas England, Scotland and WalesTypes of valuation accepted AVMs, retypes, Red Book and no valuationNew builds YesHeavy refurb NoGrade listed buildings YesGreen/sustainable product EPC and social housingPlanning permission needed NoCommission rate 1–1.5%Associations/charters Registered with FCATypes of landlords accepted AllUpfront fees NoBroker portal NoEarly redemption charges YesInvestment YesOwner occupied YesElectronic signatures accepted YesLending on land YesLender Index | 69
                                
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