EASY PEASY PRODUCTS.
What's New
NEW residential limited edition products available.
- 2-year and 5-year fixed, all adverse tiers up to 75% LTV with rates from 5.19%.
- Minimum loan amount £125,000 with a 1% fee.
What's New
What's New
- Standard now from 5.74%, EPC C+ now 0.20% cheaper.
What's New
- Standard and Tier 1 Light Refurbishment 70% and 75% LTV reduced by 0.05%.
- Tier 2 Heavy Refurbishment reduced by 0.05% across the range.
What's New
- 2-year fixed rates reduced by 0.30%
- 1-year, 2-year, 3-year and 5-year options, rates start from 4.79%
Step 1: Contact
Make sure you are registered with us before you place your first case.
Step 2: Application
Review the products and select the most suitable for your customer based on the planned improvement works. Then complete our application pack and return it to us.
If you’ve selected an energy efficiency exit product, you’ll need to provide an Energy Performance Certificate (EPC) for the property.
Step 3: Initial assessment
We’ll key the application, saving you time. We’ll make an assessment of the case, issue an illustration and let you know of any extra information we need.
Step 4: Valuation
If your customer’s happy, pay the valuation fee and we’ll instruct inspection. We give the surety of an exit providing there’s no change in circumstances and the property meets the expected post works valuation.
Step 5: Offers
We’ll issue two offers; one for bridging finance and one for the buy to let exit. The bridging offer is valid for 3 months and the buy to let offer for 6 months from the date of the initial valuation.
Step 6: Bridge completes
Funds are released and works on the property can begin. Works must be completed within the buy to let offer validity period.
Step 7: Re-inspection
Get in touch when the property’s ready to be inspected. For standard refurbishment exits, no additional fees are payable.
For energy efficiency or EPC C+ exits, you’ll need to provide a new EPC for the property.
For energy efficiency exits, this must show an increase in the Standard Assessment Procedure (SAP) score. For EPC C+ exits, it must show a rating of C or above.
Step 8: Completion
If the valuation is returned as expected and there are no changes the case will complete on the chosen buy to let exit and the bridging finance will be repaid.
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Telephone | 020 3839 9998 |
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Telephone | 01277 500 900 |
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Telephone | 01792 277 555 |
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Telephone | 0345 223 4447 |
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Telephone | 0333 121 4080 |
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Telephone | 0117 313 5292 |
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Telephone | 01827 301070 |
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Telephone | 01276 601 041 |
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Telephone | 01204 472000 |
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Telephone | 01202 850 830 |
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Telephone | 01489 346 788 |
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Telephone | 0208 144 3102 |
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Telephone | 0845 155 0131 |
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Telephone | 0116 464 5544 |
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We work with conveyancers who have a thorough understanding of the speed and service requirements for refurbishment buy to let transactions and are available to act on both the bridging loan and buy to let mortgage. The following conveyancers may be able to offer a discount on fees, please contact them for further information.
England and Wales | |||
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Blacks Solicitors LLP | 0113 207 0000 | www.lawblacks.com | City Point, 29 King Street, Leeds, LS1 2HL |
BTMK Solicitors Ltd | 0170 234 6677 | www.btmk.co.uk | 100 Alexandra Road, Southend on Sea, Essex SS1 1HQ |
Goldsmith Williams-Gwlegal | 0345 373 3737 | gw.legal | 4th Floor, 20 Chapel Street, Liverpool, L3 9GW |
Gordons Property Lawyers | 0162 830 8380 | www.gplawyers.co.uk | SC House, Vanwall Road, Maidenhead, Berkshire, SL6 4UB |
JMW | 0345 872 6666 | www.jmw.co.uk | 1 Byrom Place, Manchester, M3 3HG |
Lightfoots | 0184 421 2305 | www.lightfoots.co.uk | 1-3 High Street, Thame, OX9 2BX |
Scotland | |||
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Aberdein Considine | 0333 006 6113 | www.acandco.com | 5-7 Bon Accord Crescent, Aberdeen, AB11 6DN |