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.
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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 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% 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 (inc. 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 0.64% up to 55% LTV
From 0.64% up to 65% LTV
From 0.74% up to 75% LTV
£100,000 to £1 million loan size
3 to 18 months loan term
Example uses:
Property refinance up to 55% LTV
Property purchase up to 65% LTV
Property purchase with borrower-funded
refurb up to 75% LTV
LIGHT REFURBISHMENT
From 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% pm up to 75% LTV
From 0.89% pm up to 85% LTV
£100,000 to £5 million loan size
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Build costs up to 40% of the OMV up to 75% LTGDV
3 to 18 months loan term
Example uses:
Refurbishments
Loft conversions
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 / HMO
Finish 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
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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 / HMO
Finish 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 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% 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)
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)
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1.15% pm from month 7
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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 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% pm up to 75% LTV
From 0.89% pm up to 85% LTV
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£100,000 to £5 million loan size
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Build costs up to 40% of the OMV up to 75% LTGDV
3 to 18 months loan term
Example Uses:
Refurbishments
Loft conversions
One storey extensions
Conversions to residential / HMO
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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
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£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)
Property refinance
Development exit
Light refurbishment (inc. self-funded)
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
Short term cash flow requirements
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RESIDENTIAL BRIDGE
From 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% 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
Short term cash flor requirements
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
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Build costs up to 150% of the OMV up to 75% LTGDV
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£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
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Build costs up to 65% LTGDV
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£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 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% pm up to 75% LTV
From 0.89% pm up to 85% LTV
+ 100% cost of works funded in arrears up to 85% gross LTC
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Build costs up to 40% of the OMV up to 75% LTGDV
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£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)
Property refinance
Development exit
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
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1.15% pm from month 7
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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
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
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
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£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
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From 0.64% 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 (inc. 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 0.64% pm up to 65% LTV
From 0.69% pm up to 70% LTV
From 0.74% pm up to 75% LTV
From 0.89% pm up to 85% LTV
+100% cost of works funded in arrears up to 85% gross LTC
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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 conversions
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
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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
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£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
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