Fast and affordable short term funding for purchase, refinance or refurb of residential investment properties in England and Wales. From 0.69% pm, up to 75% LTV. RESIDENTIAL BRIDGE INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information KEY CRITERIA Loan sizes £100,000 to £5,000,000 (larger loans are considered on a case-by-case basis) 123 Fake Street 456 Made-Up Road 789 Fictional Ave Loan sizes £100,000 to £5,000,000 (larger loans are considered on a case-by-case basis) 123 Fake Street 456 Made-Up Road 789 Fictional Ave PERMITTED USES FEES & CHARGES Buying or refinancing residential investment property Arrangement fee: 2% Development exit and marketing Broker commission: From 1.5% (taken from the arrangement fee) Residential short lease properties considered 3 Legal fees: At market rate, provided upon application 5 Short term cash flow requirements Exit fee: None Permitted securities: Residential investment properties, HMOs, buy to lets, student accommodation, holiday lets with no title restriction, semi-commercial properties where the commercial element is less than 30% of the total property value Early Repayment Charge: None (interest rebated on a daily basis for loans repaid after the 3rd month) Land with or without planning Properties with adverse environmental conditions Farms or agricultural properties First charge unregulated loans across England & Wales Residential short lease properties considered Adverse credit history considered This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Owner occupied properties PRODUCT CHARACTERISTICS PROHIBITED USES 1. Reduction in interest rates are available for larger loans on a case by case basis. Pricing indicated for retained interest only. | 2. Smaller and larger loans considered upon application. | 3. Light property refurbishment where the works do not exceed 40% of the day one market value and works are funded by the borrower. | 4. Valuation fee is required up front. | 5. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an undertaking to pay all legal fees in full. Upon redemption of the loan a fee of £500 will be applied for the removal of the legal charge from the property. Adverse credit history considered DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Latest news and case studies from award - winning short term lender, Funding 365. Funding 365 Increases Light Refurbishment Max LTV to 85% 18 June 2025 READ MORE Funding 365 and Merryoaks Deliver £4.3 million Bridge at 0.67% per month 4 June 2025 READ MORE Funding 365 Names New Head of Finance and Deputy Head of Underwriting 30 April 2025 READ MORE BLOG | Helping development clients to deliver 1.5 million homes 1 April 2025 READ MORE Funding 365 Hires Golf Pro into Relationship Management Team 26 March 2025 READ MORE Funding 365 Revamps Stepped Rate Bridge from 0.39% per month 3 March 2025 READ MORE Funding 365 and Life Financial Solutions Deliver £3.9m Development Exit 26 February 2025 READ MORE Funding 365 Reveals Bridging Rates from 0.69% per month 11 February 2025 READ MORE Funding 365 Promotes Allegra Sykes to Head of Relationship Management 16 December 2024 READ MORE BLOG | Why AI won’t be taking our jobs just yet 1 December 2024 READ MORE Funding 365 and Credicus deliver 0.79% bridging loan 26 November 2024 READ MORE Funding 365 and Clifton Private Finance Deliver £4m Development Exit Bridge 22 November 2024 READ MORE BLOG | A resurgence of traditional bridging and personal service 10 November 2024 READ MORE Funding 365 and Black Book Finance Beat the Clock for Development Exit Bridge 4 November 2024 READ MORE Small but mighty: We're just getting started in terms of rapid growth 17 July 2024 READ MORE Funding 365 and Tapton Capital Deliver HMO Conversion Loans for Vital Homes 15 July 2024 READ MORE Funding 365 Unveils Specialist 3 and 5 Year Buy to Let Products 11 July 2024 READ MORE Funding 365 secures 3 wins at the 2024 Bridging and Commercial Awards 7 June 2024 READ MORE Clifton brokers near £5m Belgravia facility with Funding 365 17 May 2024 READ MORE Funding 365 and LDN Finance deliver £5.9m development exit bridge 18 April 2024 READ MORE Mortimer Street Capital and Funding 365 complete £4.1m development exit bridge 11 April 2024 READ MORE The Five Minute Interview with Krisha Karunananthan, Senior Underwriter 11 March 2024 READ MORE Funding 365 relaunches Stepped Rate Bridging product from 0.49% 14 February 2024 READ MORE Funding 365 and Arc & Co Deliver £5.2m Bridge at 0.8%pm 12 February 2024 READ MORE Funding 365 expands into Northern Ireland 15 January 2024 READ MORE Funding 365 unveils new bridging and refurbishment loan rates 27 November 2023 READ MORE Funding 365 secures £200m funding facility 20 November 2023 READ MORE Funding 365 launches ground up development product 14 June 2023 READ MORE Funding 365 launches pledge to rebate auction property valuation fees 30 January 2023 READ MORE Funding 365 completes £6.5m development exit bridging loan 9 November 2022 READ MORE Funding 365 Delivers £4.75m of stepped rate bridging for developer 29 March 2022 READ MORE Funding 365 Saves auction purchase in 5 days 13 February 2022 READ MORE Funding 365 Delivers £7.2m for 50 apartments in Peterborough 3 February 2022 READ MORE Funding 365 Delivers £3.2m 75 percent LTV finish & exit facility 12 January 2022 READ MORE Funding 365 Delivers 75 percent LTV bridge at 0.67pcm 2 November 2021 READ MORE Funding 365 adds two hires to its graduate scheme 13 August 2021 READ MORE Funding 365 urges SMEs to apply for CBILS before end of March deadline 14 March 2021 READ MORE Funding 365 receives increased CBILS allocation from the British Business Bank 17 January 2021 READ MORE Funding 365 completes 75 percent LTV £2million loan with Black Book Finance 5 December 2020 READ MORE Funding 365 accredited under coronavirus business interruption loan scheme 27 November 2020 READ MORE Funding 365 reports record month in October 6 November 2020 READ MORE Funding 365 launches 75 percent LTV stepped rate bridging from 0.59pcm 12 October 2020 READ MORE Funding 365 delivers light development loans from 0.74 pcm with no exit fee 9 September 2020 READ MORE Funding 365 announces move into development finance 13 August 2020 READ MORE Funding 365 releases enhanced flexible 3 year range 13 February 2020 READ MORE Funding 365 rescues deal with innovative Thirdfort software 18 November 2019 READ MORE Funding 365 delivers £1.1million auction finance at 0.59pcm 6 October 2019 READ MORE Funding 365 launches flexible 3 year property loan products 12 September 2019 READ MORE Funding 365 and Mantra Capital save auction purchase in just 3 days 1 August 2019 READ MORE Funding 365 slashes bridging rates to 0.59 percent residential and 0.69 percent commercial 11 May 2019 READ MORE NEWS READ ALL ABOUT IT

Funding 365 has today announced a higher maximum gross LTV of 85% for its Light Refurbishment product to extend its offering to borrowers seeking higher leverage. Funding 365 Increases Light Refurbishment Max LTV to 85% Funding 365 has today announced a higher maximum gross LTV of 85% for its Light Refurbishment product to extend its offering to borrowers seeking higher leverage. The enhanced product can fund up to 100% of the cost of works, in arrears, to a maximum of 80% net LTC. Build costs can be up to 40% of the open market value to a maximum of 75% gross LTGDV. LTVs for the first charge, unregulated product are calculated using the lower of the open market value or the purchase price. For qualifying projects at 85% gross LTV, the product delivers facilities between £100,000 and £1,000,000 for up to 18 months, with interest rates from 0.93% per month. Secured against residential properties in England and Wales, permitted uses include property refurbishments, one storey extensions and loft conversions. For projects below 75% gross LTV, the product delivers facilities up to £5,000,000 from 0.69% per month and semi-commercial properties can also be considered where the commercial element is less than 30% of the property value. Funding 365 Director, Paul Weitzkorn, comments, "We have seen strong demand for our highly competitive Light Refurbishment product since we launched it two years ago. However, as we all know, uses for bridging finance are constantly evolving and we have experienced a significant increase in enquiries for borrowers looking for higher leverage over the past year. We are delighted that our new higher LTV cap means that we will be able to help even more borrowers to realise their refurbishment projects. We encourage everyone to speak to one of our decision-making underwriters for more information, quick indications and credit-backed terms.”

Fast and affordable short term funding for purchase, refinance or refurb of residential investment properties in England and Wales. From 0.69% pm, up to 75% LTV. INTEREST RATES From 0.69% up to 65% LTV From 0.74% up to 70% LTV From 0.79% up to 75% LTV 1 (1.5% broker commission) (2% broker commission) From 0.74% up to 65% LTV From 0.79% up to 70% LTV From 0.84% up to 75% LTV (2% broker commission) LOAN SIZES £100,000 to £5,000,000 2 LOAN TERMS 12 to 18 months LOCATIONS Across England and Wales PERMITTED USES FEES & CHARGES Buying or refinancing residential investment property Arrangement fee: 2% Development exit and marketing Broker commission: From 1.5% (taken from the arrangement fee) Residential short lease properties considered 3 Legal fees: At market rate, provided upon application 5 Short term cash flow requirements Exit fee: None Permitted securities: Residential investment properties, HMOs, buy to lets, student accommodation, holiday lets with no title restriction, semi-commercial properties where the commercial element is less than 30% of the total property value Early Repayment Charge: None (interest rebated on a daily basis for loans repaid after the 3rd month) Land with or without planning Properties with adverse environmental conditions Farms or agricultural properties First charge unregulated loans across England & Wales Residential short lease properties considered Adverse credit history considered This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Owner occupied properties PRODUCT CHARACTERISTICS PROHIBITED USES 1. Reduction in interest rates are available for larger loans on a case by case basis. Pricing indicated for retained interest only. | 2. Smaller and larger loans considered upon application. | 3. Light property refurbishment where the works do not exceed 40% of the day one market value and works are funded by the borrower. | 4. Valuation fee is required up front. | 5. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an undertaking to pay all legal fees in full. Upon redemption of the loan a fee of £500 will be applied for the removal of the legal charge from the property. Adverse credit history considered LOAN SIZES £100,000 to £10,000,000 3 LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales 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 Up 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 Permitted securities: Residential investment properties Semi-commercial properties where the commercial element is <30% of the total property value Student accommodation Holiday lets (with no title restriction) HMOs Across England and Wales INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information RESIDENTIAL BRIDGE From 0.84% up to 65% LTV From 0.89% up to 75% LTV 1 INTEREST RATES £100,000 to £10,000,000 2 LOAN SIZES LOAN TERMS 3 to 24 months LOCATIONS Across England and Wales INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE RESIDENTIAL BRIDGE DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET RESIDENTIAL BRIDGE INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE

Light refurbishment loans up to 24 months from 0.69% pm. Cost of works up to 40% of the day one OMV. Uses include refurbishment, extension, and conversion to residential / HMO. LIGHT DEVELOPMENT LOAN INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 From 0.79% up to 65% LTV From 0.84% up to 75% LTV 1 LIGHT REFURBISHMENT PERMITTED USES Loft conversions Internal decoration and refurbishment Construction of one storey extensions Conversions to residential / HMO FEES & CHARGES Arrangement fee: 2% Broker commission: From 1.5% (taken from the arrangement fee) Valuation fee: At market rate, provided upon application 3 Legal fees: At market rate, provided upon application 4 Early Repayment Charge: None (subject to 3 months' minimum interest) Interest rebated on a daily basis for loans repaid after the 3rd month Exit fee: None INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information PROHIBITED USES 1. Reductions in interest rates are available for larger loans on a case by case basis. Pricing indicated for retained interest loan only. Gross LTV is calculated using the gross loan amount divided by the lower of the purchase price and valuation. Valuation is typically the OMV, although other measures may be used on a case-by-case basis. Higher LTVs are available with the provision of additional security (first charge basis). | 2. Smaller and larger loans considered on application. Up to 2 further advances. Minimum tranche size applies. | 3. To be paid upfront. | 4. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an upfront undertaking to pay all legal fees in full. This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Removal of load bearing walls Owner-occupied properties Borrower experience: First time borrowers considered up to 75% gross LTV. Above this, the borrower must have completed at least 2 refurbishment projects in the past 4 years Agricultural properties Property with adverse environmental conditions PRODUCT CHARACTERISTICS Securities: Residential properties in England and Wales. Semi-commercial properties (where the commercial element is less than 30% of the total property value) are also considered up to 75% gross LTV From 0.69% up to 65% LTV From 0.74% up to 70% LTV From 0.79% up to 75% LTV From 0.93% up to 85% LTV 1 (1.5% broker commission) (2% broker commission) From 0.74% up to 65% LTV From 0.79% up to 70% LTV From 0.84% up to 75% LTV From 0.98% up to 85% LTV (2% broker commission) INTEREST RATES LOAN SIZES £100,000 to £5,000,000 (max. £1,000,000 for loans above 75% gross LTV) +100% cost of works funded in arrears up to 80% net LTC Build costs up to 40% of the OMV up to 75% LTGDV 2 LOAN TERMS 12 to 18 months LOCATIONS Across England and Wales £100,000 to £5,000,000 (max. £1,000,000 for loans above 75% gross LTV) +100% cost of works funded in arrears up to 80% net LTC Build costs up to 40% of the OMV up to 75% LTGDV 2 From 0.69% up to 65% gross LTV From 0.74% up to 70% gross LTV From 0.79% up to 75% gross LTV From 0.93% up to 85% gross LTV 1 (1.5% broker commission) (2% broker commission) From 0.74% up to 65% gross LTV From 0.79% up to 70% gross LTV From 0.84% up to 75% gross LTV From 0.98% up to 85% gross LTV (2% broker commission) DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET LIGHT DEVELOPMENT LOAN From 0.69% pm up to 65% gross LTV From 0.74% pm up to 70% gross LTV From 0.79% pm up to 75% gross LTV From 0.93% pm up to 85% gross LTV £100,000 to £5,000,000 (max. £1,000,000 above 75% LTV) +100% cost of works funded in arrears up to 80% net LTC Build costs up to 40% of the OMV up to 75% LTGDV Up to 24 months loan term Example uses: Refurbishments Loft extensions One storey extensions Conversions to residential / HMO Product characteristics: First charge, unregulated loans only Up to 18 months loan term Across England and Wales Adverse credit history considered Across England and Wales

Simple, transparent, short term loans from 0.49% pm for the first 6 months, then 1.15% pm +1.15% exit fee. No admin fees or early redemption charges. STEPPED RATE LOAN STEPPED RATE BRIDGE INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 12 months Across England and Wales 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 (Rates based on 1.5% broker commission) 1 1 1 £100,000 to £5,000,000 2 PERMITTED USES FEES & CHARGES Buying or refinancing residential investment property Development exit and marketing Short term cash flow requirements Arrangement fee: 2% Broker commission: From 1.5% (taken from the arrangement fee) Exit fee: 1.15% Early Repayment Charge: None (subject to 3 months' minimum interest. Interest rebated on a daily basis for loans repaid after the 3rd month) Legal fees: At market rate, provided upon application 4 Valuation fee: At market rate, provided upon application 3 4 Light property refurbishment 2 2 3 Commercial property Owner occupied property Farms or agricultural property First charge unregulated loans only Properties in England and Wales only Adverse credit history considered Semi-commercial properties considered This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Properties with adverse environmental conditions PRODUCT CHARACTERISTICS PROHIBITED USES 1. Interest is retained upfront and deducted from the gross loan amount | 2. Light property refurbishments is where the works do not exceed 40% of the day one market value and works are funded by the borrower. | 3. Valuation fee is required up front. | 4. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an undertaking to pay all legal fees in full. DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET 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 £100,000 to £5 million loan size Up to 24 months loan term Example uses: Property purchase (including at auction) Development exit Permitted securities: Residential properties Semi-commercial properties (Commercial unit is <30% of the day one OMV) Student accommodation Holiday lets (with no title restriction) HMOs Across England and Wales 1.15% pm from month 7 1.15% exit fee DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET STEPPED RATE LOAN

Heavy refurbishment loans up to 24 months from 0.89% pm. Cost of works up to 150% of the day one OMV. Uses include refurbishment, extension, conversion, PDR schemes and finish & exit. HEAVY REFURBISHMENT LIGHT DEVELOPMENT LOAN LIGHT DEVELOPMENT LOAN From 0.89% pm up to 70% LTV (day one) From 0.94% pm up to 75% LTV (day one) £100,000 to £5,000,000 +100% cost of works equivalent to up to 150% of the day one market value Example uses: Heavy refurbishments (CoW <150% of OMV) Conversion to residential / HMO Finish and exit Property characteristics: First charge, unregulated loans only Up to 24 months loan term Across England and Wales Adverse credit history considered Property characteristics: First charge unregulated loans Residential and commercial properties Adverse credit history considered Across England and Wales INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 From 0.79% up to 65% LTV From 0.84% up to 75% LTV 1 INTEREST RATES From 0.89% up to 70% LTV From 0.94% up to 75% LTV 1 (1.5% broker commission) (2% broker commission) From 0.94% up to 70% LTV From 0.99% up to 75% LTV (2% broker commission) LOAN SIZES £100,000 to £5,000,000 Cost of works cannot exceed 150% of the day one market value LOAN TERMS 12 to 18 months LOCATIONS Across England and Wales PERMITTED USES FEES & CHARGES PDR schemes Heavy property refurbishment and extension Property conversion to residential/HMO Arrangement fee: 2% Broker commission: From 1.5% (taken from the arrangement fee) Exit fee: None Early Repayment Charge: None (interest rebated on a daily basis for loans repaid after the 3rd month) Legal fees: At market rate, provided upon application 4 Valuation fee: At market rate, provided upon application 3 Finish and exit 2 PROHIBITED USES 1. Reductions in interest rates are available for larger loans on a case by case basis. Pricing indicated for retained interest loans only. Gross LTV is calculated using the gross loan amount divided by the lower of the purchase price and valuation. Valuation is typically the OMV, although other measures may be used on a case-by-case basis. Higher LTVs are available with the provision of additional security (first charge basis). | 2. Must be wind and watertight. | 3. To be paid upfront. | 4. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an upfront undertaking to pay all legal fees in full. | 5. At least 3 previously completed development / refurbishment projects over the past 3 years. This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Ground up developments and land Agricultural property Properties with adverse environmental conditions Owner occupied properties PRODUCT CHARACTERISTICS Funding provided up to 100% CoW up to 65% LTGDV Minimum developer profit: 15% profit with experience /20% profit for new borrowers 5 Properties in England and Wales Adverse credit history considered UK residents and limited companies DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Fast and affordable short term funding for purchase, refinance or refurb of residential investment properties in Northern Ireland. Up to 65% LTV. NORTHERN IRELAND BRIDGE RESIDENTIAL BRIDGE From 0.84% up to 65% LTV From 0.89% up to 75% LTV 1 INTEREST RATES £100,000 to £10,000,000 2 LOAN SIZES LOAN TERMS 3 to 24 months LOCATIONS Across England and Wales INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information From 0.84% pm up to 65% LTV £100,000 to £2 million loan size Up to 18 months loan term Example uses: Property purchase (including at auction) Development exit Refinancing residential property Short term cash flow requirements Light refurbishments (inc. self-funded) Permitted securities: Unregulated residential properties Semi-commercial (Commercial unit is <30% of day one OMV) HMOs Buy to lets Student accommodation Holiday lets with no title restrictions INTEREST RATES From 0.84% up to 65% LTV 1 (1% broker commission) (1.5% broker commission) From 0.89% up to 65% LTV (2% broker commission) LOAN SIZES £100,000 to £2,000,000 2 LOAN TERMS 12 to 18 months LOCATIONS Across Northern Ireland LOAN SIZES £100,000 to £10,000,000 3 LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales PERMITTED USES FEES & CHARGES Buying or refinancing residential property Development exit and marketing Short term cash flow requirements Arrangement fee: 2% Broker commission: From 1% (taken from the arrangement fee) Exit fee: None Early Repayment Charge: None (interest rebated on a daily basis for loans repaid after the 3rd month) Legal fees: At market rate, provided upon application 5 Valuation fee: At market rate, provided upon application 4 Light to medium property refurbishment 3 PROHIBITED USES 1. Interest can be paid monthly (in full or in part) or retained upfront. | 2. Larger loans considered upon application. | 3. Medium property refurbishment is defined as structural, conversion or extension work which does not: a) exceed the lower of 40% of the purchase prince of the property of £300,000; b.) include any work which involves any demolition or re-building of the property. | 4. Valuation fee is required up front. | 5. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an undertaking to pay all legal fees in full. Upon redemption of the loan a fee of £500 will be applied for the removal of the legal charge from the property. This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Land with or without planning Properties with adverse environmental conditions Owner occupied property Farms or agricultural property Commercial or mixed-use property PRODUCT CHARACTERISTICS First charge unregulated loans across Northern Ireland Holiday lets and student lets considered Adverse credit history considered Adverse credit history considered UK residents and limited companies only DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Funding 365 have cut their rates on their commercial bridging loan product Funding 365 slashes its commercial bridging rates to 0.85 percent pcm Fast bridging lender Funding 365 has today announced a significant reduction in the starting interest rate for its commercial bridging loan product from 0.99%pcm to 0.85%pcm. The product - which is available to all brokers - is available for 3 to 12 month loans secured against commercial and semi-commercial properties across England and Wales. The product’s loan size range is £100,000 to £5 million+ and the maximum LTV is 65%, although access to higher LTVs may be granted with the provision of additional security. Permitted uses for the product include acquisition of commercial investment property, refinancing of maturing commercial debt, working capital for the business and light property refurbishment. All of Funding 365’s products can be viewed on their website at www.funding-365.com/products Funding 365 Managing Director Mike Strange comments,“We are very pleased to introduce this new rate reduction to ensure that Funding 365 products remain at the cutting edge of the bridging market. With residential investment products from 0.65%pcm and our new commercial rates from 0.85%, we’re very much becoming the first choice bridging lender for many of our broker partners."

Funding 365 Names New Head of Finance and Deputy Head of Underwriting Funding 365 Names New Head of Finance and Deputy Head of Underwriting Funding 365 has today announced the promotion of Jonathan Brooks to Head of Finance and Katie Spitz to Deputy Head of Underwriting. Both joined the lender via its graduate scheme. Jonathan started at Funding 365 nine years ago with a degree in Economics and has excelled across both underwriting and finance functions. As Head of Finance, Jonathan will continue to support clients directly with their funding requirements whilst also being responsible for all aspects of company financing and treasury operations. Katie joined Funding 365 with a degree in Management and quickly became an integral member of its underwriting team, with achievements including glowing 5 star reviews from clients, a mention in the 2025 Bridging & Commercial Power List and a place in the shortlist for Underwriter of the Year. As Deputy Head of Underwriting, Katie will continue to drive the firm’s reputation for exceptional service whilst mentoring the company’s newest underwriting graduates. Jonathan comments, “It has been a pleasure to work alongside the rest of the team at Funding 365 over the past nine years. As one of the company’s first graduate hires, I was given a great opportunity to build skills and gain exposure to many areas of the business and industry. I’m delighted to step into my new role and look forward to the challenges ahead.” Katie comments, “This promotion is not just a reflection of my contribution to Funding 365, but a testament to the brilliant people I work alongside. I’m very passionate about the company and team, so I’m excited to contribute at a higher level.” Funding 365 Director, Michael Strange, adds, “Jonathan and Katie have both played instrumental roles in our growth and success over the years. Their promotions are thoroughly well-deserved and I have every confidence that they will be hugely successful in their new roles within our leadership team.”

Funding 365 director draws on experience and expertise to discuss the state of the London property market. London property - clear and present danger We have previously written a detailed article about the risks that we currently see in the London property market. As an attention grabbing summary, we stated that there is a high chance that the London property market could see a price collapse – and that this collapse could be swift and dramatic. To distill our analysis into a few bullet points, we stated: The London property market is supported by (pre-dominantly) Asian investors (it certainly isn’t supported by the City’s investment bankers any longer!). These investors are pre-dominantly investors who are either (a) looking for a safe home for their funds; (b) speculating in the market because prices are rising; or (c) long term buy to let investors. Buy to let investment in Central London no longer makes any financial sense. In real terms (after inflation) and after taxes and costs, most rental property does not generate a positive return (in other words, the investor is suffering a loss). If interest rates rise: - UK based buy to let investors will almost certainly start to suffer increasing losses on London rental property due to higher mortgage payments. - The exchange rate between Sterling and Asian currencies will start to strengthen meaning that it becomes more expensive for Asian investors to purchase London property so continued high levels of investment are unlikely. The maximum LTV at 0.75%pcm is 60% although higher LTVs will be considered if additional security is provided. Finally, the cherry on the cake, the UK Government is raising taxes on foreign investors (capital gains are now applicable on foreign property owners who dispose of UK property) and potentially on domestic buy to let investors (a mansion tax is still being debated). The problem that we were concerned about is fairly simple – should Asian investors start to pull out of London property and prices begin to fall, will this lead to an avalanche of other Asian investors heading for the exit (they are, to a significant degree, speculators after all)? You do not need to have a PhD in financial economics to understand that a bubble gets inflated slowly, but bursts quickly. The reason for this, as Warren Buffet says, is that confidence is gained one person at a time, but people panic together. I’m also sure that we have all heard the financial adage “don’t panic, but if you are going to panic, panic before anyone else”. Therefore, if you believe that the London property market is supported by foreign investors and speculators, then you should be very concerned about a sign of a slowdown as this could herald the point at which some (savvy) investors decide to offload their entire London property portfolio (and ring the bell to signify the top of the market). Who is going to buy these properties that rent out for a loss when prices are slipping? Answer – no-one, the prices have to fall until the rental return makes sense. Having written the previously mentioned article at the back end of 2013, I thought it would be interesting to see how the fact pattern has changed in mid-2014, and whether we think the tipping point is close. Firstly– how are London property prices faring? Badly, according to many news outlets – “asking prices fall 0.5% in June” according to Savills, while in July a RICS survey found that (by a majority of 10%) their surveyors thought that London prices would fall over the next three months. Secondly– How is Sterling faring against key Asian currencies? Very well (which is bad for London property). The graph below shows how the exchange rate between Sterling and the Chinese Yuan has appreciated steadily from about 9.2 last summer to around 10.6 today. What this means is that it is now about 15% more expensive for a Chinese person to buy a London property than it was a year ago just because of currency appreciation. If you also take into consideration the 16% growth in London house prices during that period (according to Rightmove), it is actually over 30% more expensive. Thirdly– are interest rates going to rise soon? The consensus is now “yes, and sooner than expected”. Interest rate increases this year are now perceived to be highly possible, if not probable. The recent jump in UK inflation to 1.9% has further increased expectation of early rate rises. So, in summary, if you believe that the London property market is supported by foreign investors (the evidence is overwhelming), that some of them will run for the hills when the market turns (the speculators will undoubtedly) and that the current interest rate / exchange rate dynamic will continue to make London less attractive as an investment and bring the tipping point closer – then you, like us, should worry. Mike Strange Director, Funding 365 Limited michael.strange@funding-365.com

Funding 365 sharpens Light Development product, adding to their competitive bridging loan suite of products Funding 365 delivers light development loans from 0.74 pcm with no exit fee Funding 365 has today announced that it has sharpened the pricing on its Light Development product with interest rates that start from just 0.74% per month with no exit fee. The product is designed to enable property developers to carry out heavy refurbishments, extensions, building conversions and PDR schemes, as well as finish and exit development projects. Eligible loans are £200,000 to £3million in size and secured against properties in England and Wales for up to 24 months. The maximum LTV is 75% (day one) and clients can also borrow up to 100% cost of works, up to a maximum LTGDV of 70%. The only fees charged are a 2% arrangement fee plus legal and valuation / monitoring fees at market rate. As with all of Funding 365’s products this is available to all brokers, with no waiting lists. Visit www.funding-365.com/products for transparent product guides or call Funding 365’s underwriters directly on 0800 689 0650 for more information, quick answers and bespoke terms. Laura Kendall, Marketing Director at Funding 365 explains, “We previously included an exit fee in our Light Development product as this is how the majority of development lenders price their loans. But as we’ve settled in to the development market we’ve found that most of our brokers and borrowers appreciate their loans being priced in the same way that we price our bridging loans, with no exit fees (or application fees, admin fees, early redemption fees or other such fees). We also found that we were, in practice, writing some loans that were a little lower than our advertised interest rate, so we adjusted that too. We’re constantly assessing our products to make sure that they’re delivering for clients.”