Exclusives

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

Residential Exclusive – LUMI
  • Pay Day Loans- we do not accept these on our core range, unless the applicant has cleared them 12 months prior to application. On LUMI we can accept a pay day loan as long as only one taken out in recent 12 months, it must be paid and settled on or before completion.
  • Minimum loan £25,001
  • Maximum loan £1m
  • Minimum valuation £70k (£150k in London and South East)
  • Up to 75% LTV

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

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

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%
Owner Occupied Semi Exclusives
  • Minimum loan amount is £45,000
  • For new customers only.
  • 10% overpayments per year allowed without Early Repayment Charges.
  • The Application Fee is £175.
  • The Valuation Fee is £0 for properties up to £500,000; above £500,000 a discount of £330 from the standard Valuation Fee scale applies.
  • We offer £500 cashback towards your legal costs for remortgage
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.

Commercial finance limited distribution
  • No min income for landlords with > 24 months experience
  • (All income must be proved)
  • England & Wales
  • Day 1 Remortgage
  • 10 year fixed rates calculated at payrate
  • Up to four applicants
  • 10 year products are for new business only

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.