We specialise in highly competitive, unregulated bridging, refurbishment, development and 3-5 year loans secured against a wide range of properties across England, Wales and Northern Ireland.
See below for information on each of our flexible products, or alternatively contact one of our dedicated underwriters directly on 0800 689 0650 or underwriting@funding-365.com
RESIDENTIAL BRIDGE
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
Light refurbishment (self-funded)
INCL. SEMI-COMMERCIAL
WHERE COMMERCIAL < 30% VALUE
NORTHERN IRELAND BRIDGE
From 0.84% pm up to 65% LTV
£100,000 to £2 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
Light refurbishment (self-funded)
STEPPED RATE BRIDGE
From 0.39% pm up to 65% LTV for 6 months
From 0.44% pm up to 70% LTV for 6 months
From 0.49% pm up to 75% LTV for 6 months
+ 1.15% pm from month 7 and 1.15% exit fee
£100,000 to £5 million loan size
3 to 12 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
AVM BRIDGE
From 0.79% per month
Up to 55% LTV for refinances
Up to 65% LTV for purchases
Up to 75% LTV for purchases
with borrower-funded refurb
£100,000 to £1 million loan size
3 to 18 months loan term
Example uses:
Property purchase (inc. at auction)
Development exit
Refinancing residential property
Short term cash flow requirements
Self-funded light refurbishments
LIGHT REFURBISHMENT
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
From 0.93% pm up to 85% LTV
£100,000 to £5 million loan size
Build costs up to 40% of the OMV up to 75% LTGDV
3 to 18 months loan term
Example uses:
Refurbishments
Loft extensions
One storey extensions
Conversions to residential / HMO
PRODUCTS
TRANSPARENT, FLEXIBLE, BESPOKE
HEAVY REFURBISHMENT
From 0.89% pm up to 70% LTV
From 0.94% pm up to 75% LTV
Build costs up to 150% of the OMV up to 75% LTGDV
3 to 18 months loan term
Example uses:
Heavy refurbishments (CoW <150% of OMV)Conversion to residential / HMOFinish and exit
£100,000 to £5 million loan size
DEVELOPMENT LOAN
From 0.93% per month
65% LTGDV / 85% LTC
Up to 70% LTV
3 to 18 months loan term
Example uses:
Ground up development
Finish and exit (where the property is
not wind/ water tight)
£250,000 to £1.5 million loan size
DEVELOPMENT LOAN
From 0.93% pm up to 70% LTV
+100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 65% LTGDV
3 to 18 months loan term
Example uses:
Ground up development
Finish and exit (where the property is
not wind/ water tight)
£250,000 to £1.5 million loan size
SPECIALIST 3 & 5 YEAR BTL
From 7.74% pa for 3 years
From 7.49% pa for 5 years
£100,000 to £5 million loan size
36 or 60 months loan term
Example uses:
Property purchase (including at auction)
Re-mortgage
Capital raise
Up to 75% LTV
HEAVY REFURBISHMENT
From 0.89% pm up to 70% LTV
From 0.94% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Heavy refurbishments (CoW <150% of OMV)Conversion to residential / HMOFinish and exit
+ 100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 150% of the OMV up to
75% LTGDV
PROCESSES
UNIQUELY SEAMLESS
RESIDENTIAL
BRIDGE
INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE
From 0.74% pm up to 65% LTV
From 0.79% pm up to 70% LTV
From 0.84% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months loan term
Example Uses:
Property purchase (including at auction)
Refurbishment
Development Exit
Portfolio consolidation
STEPPED RATE BRIDGE
From 0.39% pm up to 65% LTV (6 months)
From 0.44% pm up to 70% LTV(6 months)
From 0.49% pm up to 75% LTV(6 months)
1.15% pm from month 7
1.15% exit fee
£100,000 to £5 million loan size
3 to 12 months loan term
Example Uses:
Property purchase (including at auction)
Development exit
LIGHT
REFURBISHMENT
From 0.74% pm up to 65% LTV
From 0.79% pm up to 70% LTV
From 0.84% pm up to 75% LTV
From 0.93% pm up to 85% LTV
£100,000 to £5 million loan size
Build costs up to 40% of the OMV up to 75% LTGDV
3 to 18 months loan term
Example Uses:
Loft conversion
Internal decoration and refurb
Property conversion to resident
LIGHT DEVELOPMENT
From 0.64% pm up to 65% LTV (day one)
From 0.69% pm up to 75% LTV (day one)
£5 million loan size
3 to 24 months loan term
Example Uses:
PDR schemes
Heavy refurbishment projects
Property conversion to residential
Finish and exit
3 YEAR LOAN
From 6.74% per annum up to 75% LTV
£100,000 to £10 million loan size
36 months
Example Uses:
Credit repair
Change of use
Business stabilisation
PROJECTS
We provide funding for projects across all of England and Wales
You can read about a few of our cases by clicking the button below.
LIGHT DEVELOPMENT
From 0.64% pm up to 65% LTV (day one)
From 0.69% pm up to 75% LTV (day one)
£5 million loan size
3 to 24 months loan term
Example Uses:
PDR schemes
Heavy refurbishment projects
Property conversion to residential
Finish and exit
3 YEAR LOAN
From 6.74% pa up to 75% LTV
£100,000 to £10 million loan size
36 months
Example Uses:
Credit repair
Change of use
Business stabilisation
PRODUCTS
TRANSPARENT, FLEXIBLE, BESPOKE
NORTHERN IRELAND BRIDGE
From 0.84% up to 65% LTV
£100,000 to £2 million loan size
up to 18 months
Example Uses:
Property purchase (including at auction)
Light refurbishment
Development Exit
Portfolio consolidation
COMMERCIAL
BRIDGE
From 0.99% pm up to 65% LTV
£100,000 to £2 million
loan size
3 to 18 months loan term
Example Uses:
Property purchase (including at auction)
Refinancing of maturing debt
Working capital for your business
RESIDENTIAL BRIDGE
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
Light refurbishment (self-funded)
INCL. SEMI-COMMERCIAL
WHERE COMMERCIAL < 30% VALUE
COMMERCIAL BRIDGE
From 0.99% pm up to 65% LTV
£100,000 to £2 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Refinancing of maturing debt
Working capital for your business
HEAVY REFURBISHMENT
0.89% pm up to 70% LTV
0.94% pm up to 75% LTV
+ 100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 150% of the OMV up to 75% LTGDV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Heavy refurbishments (CoW <150% of OMV)
Conversion to residential / HMO
Finish and exit
BRIDGE TO 3 YEAR
From 6.74% pa up to 75% LTV
£100.000 to £10 million loan size
36 months
Example Uses:
Credit repair
Change of use
Business stabilisation
N. IRELAND SPECIALIST 3 & 5 YEAR BTL
From 7.74% pa for 3 years
From 7.49% pa for 5 years
£100,000 to £3 million loan size
36 to 60 months loan term
Example uses:
Purchase (including at auction)
Re-mortgage
Capital raise
Up to 70% LTV
DEVELOPMENT LOAN
From 0.93% pm up to 70% LTV
+ 100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 65% LTGDV
£250,000 to £1.5 million loan size
3 to 18 months loan term
Example uses:
Ground up development
Finish and exit
Demolish and rebuild
LIGHT REFURBISHMENT
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
From 0.93% pm up to 85% LTV
+ 100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 40% of the OMV up to 75% LTGDV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Refurbishments (CoW < 40% of OMV)
Loft extensions
One storey extensions
Conversions to residential / HMO
NORTHERN IRELAND BRIDGE
From 0.84% pm up to 65% LTV
£100,000 to £2 million loan size
up to 18 months
Example uses:
Property purchase (including at auction)Development exit
Refinancing residential property
Short term cash flow requirements
Light refurbishment (inc. self-funded)
STEPPED RATE BRIDGE
From 0.39% pm up to 65% LTV
From 0.44% pm up to 70% LTV
From 0.49% pm up to 75% LTV
for the first 6 months
1.15% pm from month 7
1.15% exit fee
£100,000 to £5 million loan size
3 to 12 months loan term
Example uses:
Property purchase (including at auction) Development exit
Refinancing residential property
Short term cash flow requirements
SPECIALIST 3 & 5 YEAR BTL
From 7.74% pa for 3 years
From 7.49% pa for 5 years
£100,000 to £5 million loan size
36 to 60 months loan term
Example uses:
Purchase (including at auction)
Re-mortgage
Capital raise
Up to 75% LTV
AVM BRIDGE
Up to 55% LTV for refinances
Up to 65% LTV for purchases
Up to 75% LTV for purchases
with borrower-funded refurb
£100,000 to £1 million loan size
3 to 18 months loan term
Example uses:
Property purchase (inc. at auction)
Development exit
Refinancing residential property
Short term cash flow requirements
Self-funded light refurbishments
From 0.79% per month
RESIDENTIAL BRIDGE
From 0.89% pm up to 70% LTV
From 0.94% pm up to 75% LTV
£100,000 to £10 million loan size
3 to 24 months loan term
Example uses:
Property purchase (including at auction)
Refurbishment
Development exit
Portfolio consolidation
STEPPED RATE BRIDGE
From 0.80% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Buying or refinancing residential property
Refurbishment
Development exit
Short term cash flow requirements
RESIDENTIAL BRIDGE
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
Light refurbishment (self-funded)
INCL. SEMI-COMMERCIAL
WHERE COMMERCIAL < 30% VALUE
NORTHERN IRELAND BRIDGE
From 0.84% pm up to 65% LTV
£100,000 to £2 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
Light refurbishment (self-funded)
STEPPED RATE BRIDGE
From 0.39% pm up to 65% LTV for 6 months
From 0.44% pm up to 70% LTV for 6 months
From 0.49% pm up to 75% LTV for 6 months
+ 1.15% pm from month 7 and 1.15% exit fee
£100,000 to £5 million loan size
3 to 12 months loan term
Example uses:
Property purchase (including at auction)
Property refinance
Development exit
Short term cash flow requirements
LIGHT REFURBISHMENT
From 0.69% pm up to 65% LTV
From 0.74% pm up to 70% LTV
From 0.79% pm up to 75% LTV
From 0.93% pm up to 85% LTV
+100% cost of works funded in arrears up to 85% gross LTC
Build costs up to 40% of the OMV up to
75% LTGDV
£100,000 to £5 million loan size
3 to 18 months loan term
Example uses:
Refurbishments
Loft extensions
One storey extensions
Conversions to residential / HMO
COMMERCIAL BRIDGE
From 0.99% up to 65% LTV
£100,000 to £2 million loan size
3 to 18 months loan term
Example uses:
Property purchase (including at auction)
Refinancing of maturing debt
Short term cash flow requirements
AVM BRIDGE
From 0.79% per month
Up to 55% LTV for refinances
Up to 65% LTV for purchases
Up to 75% LTV for purchases
with borrower-funded refurb
£100,000 to £1 million loan size
3 to 18 months loan term
Example uses:
Property purchase (inc. at auction)
Development exit
Refinancing residential property
Short term cash flow requirements
Self-funded light refurbishments
SPECIALIST 3 & 5 YEAR BTL
From 7.74% pa for 3 years
From 7.49% pa for 5 years
Up to 75% LTV
36-60 months
Example Uses:
Purchase (including at auction)
Re-mortgage
Capital raise
£100,000 to £5 million loan size
DEVELOPMENT
LOAN
From 0.93% pm up to 75% LTV
£250,000 to £1.5 million loan size
3 to 18 months loan term
Example Uses:
Ground up development
Finish and Exit
HMO and holiday lets accepted
First time developers