Exclusives

Check out below some of our exclusive and semi-exclusive lender products:

Bridge-to-Let Semi Exclusive
  • From 0.64% Bridging & 4.49% BTL pay rate
  • Resi / Dev Exit / Finish & Exit / Refurbs / Conversion to Resi or HMO all covered
  • 75% LTV max + 100% works
  • £200k – £10m net
  • 1 valuation, 1 set of legals, 1 upfront underwriting process
  • No minimum term on dev exits

Residential Semi-Exclusive
  • Max LTV 85% 
  • Loan size from £100,000 up to £500,000
  • Available for Home Movers, Remortgages or FTBs
  • Flats above commercial properties
  • Up to 4 applicants with combined incomes
  • ERCs: 2 year 4/3%, 5 year 5/4/3/3/3%
  • Available on Vida 1, 2 and 3 only

Exclusive 80% LTV BTL
  • Max Loan £750,000 
  • Standard Properties only   
  • Min Valuation £100,000  
  • 2 year and 5 year fixed options available from 3.89%
  • Unlimited background portfolio with background portfolio stress testing at 100% of mortgage payments.
  • Max. age 95 years at end of mortgage term

Residential Exclusive – LUMI
  • Pay Day Loans- we do not accept these on our core range, unless the applicant has cleared them 12 months ago. On LUMI If the client has taken one taken from month 13 backwards, this is OK.
  • Minimum loan £25,001.
  • Maximum loan £1m (above on referral basis).
  • Minimum valuation £70k (£150k in London and South East).
  • Up to 75% LTV

Regulated Home Loans
  • Loans from £50,000 – £1,500,000
  • Loans below £125,000 are subject to a minimum interest rate of 0.89% PCM
  • Aged 21-85 years
  • Semi-commercial where the residential element is greater than 40% considered
  • Up to 65% LTV
  • Flats above commercial property

Select 90% LTV Exclusive
      • Loans from £25,000 – £1,000,000
      • Available for Purchases and Remortgages.
      • Consider up to 100% of Variable Income
      • Applicable to New Build properties, houses and flats
      • Self-Employed Applicants
      • Defaults acceptable if older than 36 months
      • Accept Limited Credit History

Refurbishment BTL
  • Up to 65% LTV Bridging product into 75% max LTV BTL exit
  • Bridging finance minimum loan £50,000 maximum loan £1m
  • BTL minimum loan £40,000, maximum loan £3m
  • Bridging finance rates from 0.54% per month
  • BTL rates from 3.14%
 

Personal finance limited distribution
  • Increasing the maximum LTV on all products from 60% to 65%.
  • Reintroduced interest only payments on personal finance products.
  • For second charge applications, where any element of the loan is for debt consolidation we won’t be able to offer Interest Only.

Commercial finance limited distribution
  • Launching a 0.65% bridge on residential property with a max LTV of 50%. 
  • There will now be a ‘Standard’ and ‘Non Standard’ model instead of their current ABC. A’s and B’s will become Standard and C’s will become Non-Standard with a 10% max LTV reduction from Standard.

Hope 725 (Connect)
  • Just 0.725% per month
  • Up to 72.5% LTV
  • Increased max loan to £825,000 for Connect (normally £725,000)
  • Residential (unregulated) property anywhere in England and Wales.
 

Hope 75 (Connect)
  • Reduced to 0.74% per month
  • Up to 75% LTV
  • Increased max loan to £625,000 for Connect (normally £575,000)
  • Residential (unregulated) property anywhere in England and Wales.
 

Semi-exclusive
  • Minimum loan amount is £45,000
  • For new customers only
  • 10% overpayments per year allowed without Early Repayment Charges
  • £500 cashback towards your legal costs for remortgage applications.