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% 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 Loans from £200k to £5m 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 LOAN SIZES LOAN TERMS LOCATIONS 3 to 18 months Across England and Wales 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) £200,000 to £5,000,000 Cost of works cannot exceed 150% of the day one market value LOAN 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 Properties with adverse environmental conditions Agricultural property Ground up developments and land Properties in England and Wales Adverse credit history considered UK residents and limited companies 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 PROHIBITED USES DEVELOPER INFORMATION 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. Minimum developer profit: 15% profit on cost for experienced borrowers /20% profit for new borrowers 5 Funding provided up to 100% CoW up to 65% LTGDV DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Funding 365 commercial bridging loan case study. Purchase: Large Commercial Space. The brief Our solution Broker review Our team created a bespoke solution for our borrower to deliver their full cost of works in drawdowns. The client required a £190,000 loan to purchase two mid terraced houses in Belfast and complete light internal refurbishments. "Professional service from start to finish. Terms were issued promptly and the team (particularly Calum) were contactable and responsive at all times. Highly recommended!" Ajay Sharma, Trustpilot Review BACK TO PROJECTS £190,000 60% LTV 0.99% PM 12 MONTHS PURCHASE AND REFURBISHMENT: 2 HOUSES CASE STUDY

Funding 365 is an independent bridging lender with bespoke rates from 0.74% pcm and LTVs up to 75%. Call now on 0800 689 0650. OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 5 years secured against a wide range of properties across England, Wales and Northern Ireland. We provide loans up to £5 million+ and up to 75% LTV and our interest rates start at 0.69% per month flat and 0.39% per month stepped. OUR APPROACH With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. EXPERT FAST BESPOKE HONEST AFFORDABLE FAIR We are specialists and know property finance inside out. Our mandated underwriters aim to provide credit-backed terms in just one hour. We tailor-make each loan to the individual requirements of the client. Our cost structure is always straightforward, transparent and made clear upfront. We offer some of the lowest interest rates in the market. We reject ERCs and believe in rebating interest on a daily basis for loans repaid early. With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. Mid-term mortgages for residential investment and commercial properties. For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit. 75% LTV residential bridging with a stepped interest rate and no exit fees or ERCs. For purchase, refinance and / or refurb of commercial and mixed use properties. RESIDENTIAL BRIDGE For purchase, refinance and / or refurbishment of residential properties. OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 36 months secured against a wide range of properties across England and Wales. We provide up to £5 million and up to 75% LTV and our interest rates start at 0.89% per month. COMMERCIAL BRIDGE LIGHT DEVELOPMENT STEPPED RATE BRIDGE 3-5 YEAR LOAN LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE WELCOME TO EXTRAORDINARY FINANCE HEAVY REFURBISHMENT LEARN MORE From 0.89% pm LIGHT REFURBISHMENT From 0.69% pm LEARN MORE STEPPED RATE BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.39% From 0.99% pm RESIDENTIAL BRIDGE NORTHERN IRELAND BRIDGE LEARN MORE LEARN MORE From 0.84% pm From 0.69% pm RESIDENTIAL BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.99% pm From 0.74% pm Funding 365 is an award-winning property finance lender providing bridging, development and specialist BTL loans secured against properties across England, Wales and Northern Ireland. We believe in transparency and fairness, and combine highly competitive, tailored funding solutions with award-winning service. OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 5 years secured against a wide range of properties across England, Wales and Northern Ireland. We provide up to £5 million and up to 75% LTV and our interest rates start at 0.69% per month flat and 0.39% per month stepped. RESIDENTIAL BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.99% pm From 0.89% pm LIGHT REFURBISHMENT VIEW GUIDE For property refurbs incl. loft conversions, internal refurbishment and one storey extensions RESIDENTIAL BRIDGE VIEW GUIDE For purchase, refinance and / or refurbishment of residential and semi-commercial properties HEAVY REFURBISHMENT VIEW GUIDE For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit NORTHERN IRELAND BRIDGE VIEW GUIDE For purchase, refinance and / or refurbishment of residential properties in Northern Ireland STEPPED RATE BRIDGE VIEW GUIDE Residential bridging with a stepped rate from 0.39% per month for the first 6 months COMMERCIAL BRIDGE For purchase, refinance and / or refurb of commercial and mixed-use properties VIEW GUIDE SPECIALIST 3 & 5 YEAR BTL VIEW GUIDE Mid-term specialist mortgages for properties in England and Wales DEVELOPMENT LOAN VIEW GUIDE For the construction of residential properties incl. ground-up & finish and exit N. IRELAND 3 & 5 YEAR BTL VIEW GUIDE Mid-term specialist mortgage for properties in Northern Ireland GROUND UP DEVELOPMENT LEARN MORE From 0.93% pm LEARN MORE 3-5 YEAR LOAN From 9.99% pa OUR APPROACH With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. EXPERT FAST We know property finance inside out Credit-backed terms in one hour BESPOKE HONEST Loans tailor made to suit our clients Transparent, straightforward cost structure AFFORDABLE FAIR Competitive rates, with no admin fees Interest rebated on a daily basis for loans repaid early 3-5 YEAR LOAN Mid-term mortgages for residential investment and commercial properties VIEW GUIDE NORTHERN IRELAND BRIDGE For purchase, refinance and / or refurbishment of residential properties in Northern Ireland VIEW GUIDE DEVELOPMENT VIEW GUIDE For the construction of residential property COMMERCIAL BRIDGE VIEW GUIDE For purchase, refinance and / or refurb of commercial and mixed-use properties RESIDENTIAL BRIDGE For purchase, refinance and / or refurbishment of residential and semi-commercial properties VIEW GUIDE HEAVY REFURBISHMENT For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit VIEW GUIDE LIGHT REFURBISHMENT VIEW GUIDE For property refurbs incl. loft conversions, internal refurbishment and one storey extensions STEPPED RATE BRIDGE Residential bridging with a stepped rate from 0.39% per month for the first 6 months VIEW GUIDE TESTIMONIALS See what our clients have to say. OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 36 months secured against a wide range of properties across England and Wales. We provide up to £5 million and up to 75% LTV and our interest rates start at 0.89% per month. LEARN MORE RESIDENTIAL BRIDGE For purchase, refinance and / or refurbishment of residential properties. For purchase, refinance and / or refurb of commercial and mixed use properties. COMMERCIAL BRIDGE STEPPED RATE BRIDGE 75% LTV residential bridging with a stepped interest rate and no exit fees or ERCs. LIGHT DEVELOPMENT For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit. 3-5 YEAR LOAN Mid-term mortgages for residential investment and commercial properties. LEARN MORE GROUND UP DEVELOPMENT For the construction of residential properties. LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE LIGHT REFURBISHMENT HEAVY REFURBISHMENT LEARN MORE LEARN MORE From 0.74% From 0.89% pm RESIDENTIAL BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.74% From 0.99% pm LEARN MORE From 0.93% pm DEVELOPMENT LOAN SPECIALIST 3 & 5 YEAR BTL From 7.49% pa LEARN MORE LEARN MORE From 7.49% pm N. IRELAND 3 & 5 YEAR BTL

Honest, competitive bridging finance delivering funding up to 24 months for commercial and semi-commercial properties in England and Wales. INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £100,000 to £10,000,000 2 From 0.89% up to 65% LTV 1 LOAN USES FEES & CHARGES Buying commercial property incl. at auction Refinancing of maturing commercial debt Working capital for your business 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 cost, provided upon application 5 Valuation fee: At cost, provided upon application 4 Light to medium property refurbishment 3 Permitted securities: Commercial properties such as retail, office, and semi-commercial where the commercial aspect accounts for over 30% of the day one market value. COMMERCIAL BRIDGE Vacant property in disrepair Property with potential environmental contamination Farms or agricultural property First charge unregulated loans only Properties in England and Wales only Adverse credit history considered UK residents and limited companies only 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 residing above semi-commercial property PRODUCT CHARACTERISTICS PROHIBITED USES 1. Our 0.69% product rate is only available to properties with either (i) a blue chip tenant on a lease with five or more years remaining (no breaks); or (ii) more than seven individual tenants where rental income is relatively equally spread and a history of occupancy is available. Interest can be paid monthly (in full or in part) or rolled up and paid upon redemption. 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 or second charge basis). | 2. Larger loans considered upon application. | 3. Light to medium property refurbishment is defined as having no planning permission requirements. | 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. COMMERCIAL 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 COMMERCIAL BRIDGE INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 18 months Across England and Wales £200,000 to £2,000,000 2 From 0.99% up to 65% LTV 1 (1.5% broker commission) (2% broker commission) From 1.04% up to 65% LTV (2% broker commission) DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET INTEREST RATE From 0.69% up to 75% LTV 1. Our 0.69% product rate is only available to properties with either (i) a blue chip tenant on a lease with five or more years remaining (no breaks); or (ii) more than seven individual tenants where rental income is relatively equally spread and a history of occupancy is available. Interest can be paid monthly (in full or in part) or rolled up and paid upon redemption. 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 or second charge basis). 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 £200,000 to £2 million loan size Up to 18 months loan term Example uses: Buying commercial property (including at auction) Refinancing maturing commercial debt Short term cash flow requirements Product characteristics: First charge unregulated loans UK residents and limited companies only Adverse credit history considered Across England and Wales From 0.99% pm up to 65% LTV DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Bridging and light development loan rates provided in just 1 hour. Call a friendly underwriter directly on 0800 689 0650 for a seamless, personal experience. VIEW OUR PROJECTS 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 PRODUCT INTEREST RATE LOANSIZE LOANTERM EXAMPLEUSES VIEWGUIDE LTV RESIDENTIALBRIDGE Fr om 0.59% per mo n th F r om 0.69% per mo n th Up t o 60% Up t o 75% £100,000t o £10 million 3 t o 24 mo n ths Pr operty pu r chase (including a t auction) R e furbishme n t D e v elopme n t Exit P or tf olio c onsolid at ion STEPPED RATEBRIDGE 0.59% pm f or the fi r s t 6 mo n ths 1.2% pm f r om mo n th 7 £10 million 3 t o 18 mo n ths Buying or r e financing r eside nt ial p r operty R e furbishme n t D e v elopme n t Exit Short t erm c ash fl o w r equi r eme n ts Up t o 75% Fr om 0.64% per mo n th F r om 0.69% per mo n th LIGHT DEVELOPMENT LOAN Up t o 65% (d a y one) Up t o 75% (d a y one) £5 million 3 t o 24 mo n ths PDR schemesHe a v y r e furbishme n t p r ojects P r operty c o n v e r sion t o r eside n tial Finish and e xit Fr om 6.74% per annum Up t o 75% 3 YEAR LOAN £10 million 36 mon ths Cr edit r epair Chan g e of use Business s t abilis a tion COMMERCIALBRIDGE Fr om 0.59% per mo n th Up t o 75% £100,000t o £10 million 3 t o 24 mo n ths Pr operty pu r chase (including a t auction) R e furbishme n t R e financing of m a turing de b t W orking c api t al f or y our business PRODUCTS TRANSPARENT, FLEXIBLE, BESPOKE 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) VIEW GUIDE £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 £200,000 to £5 million loan size 36 or 60 months loan term Example uses: Property purchase (including at auction) Re-mortgage Capital raise VIEW GUIDE Up to 75% LTV N. IRELAND 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 or 60 months loan term Example uses: Property purchase (including at auction) Re-mortgage Capital raise VIEW GUIDE Up to 70% LTV VIEW OUR PROJECTS 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 £200,000 to £5 million loan size 3 to 18 months loan term Example Uses: Property purchase (including at auction) Refurbishment Development Exit Portfolio consolidation VIEW GUIDE 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 £200,000 to £5 million loan size 3 to 12 months loan term Example Uses: Property purchase (including at auction) Development exit VIEW GUIDE VIEW GUIDE 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 £200,000 to £5 million loan size 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 VIEW GUIDE 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 VIEW GUIDE 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. VIEW PROJECTS VIEW GUIDE STEPPED RATE BRIDGE 0.59% pm up to 75% LTV Loans of up to £10 million 3 to 18 months loan term Example uses: Buying or refinancing residential property Refurbishment Development exit Short term cash flow requirements 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 VIEW GUIDE STEPPED RATE BRIDGE 0.59% pm up to 75% LTV Loans of up to £10 million 3 to 18 months loan term Example uses: Buying or refinancing residential property Refurbishment Development exit Short term cash flow requirements VIEW GUIDE 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 VIEW GUIDE 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 3 to 18 months loan term Example uses: Buying or refinancing residential property Refurbishment Development exit Short term cash flow requirements VIEW PROJECTS 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 VIEW GUIDE COMMERCIAL BRIDGE From 0.99% pm up to 65% LTV £200,000 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 VIEW GUIDE HEAVY REFURBISHMENTS From 0.89% up to 70% LTV From 0.94% up to 75% LTV £100,000 to £5 million loan size 3 to 18 months loan term Example Uses: PDR schemes Heavy refurbishment and extension Property conversion to residential / HMO Finish and Exit VIEW GUIDE 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 £200,000 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) VIEW GUIDE INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE COMMERCIAL BRIDGE From 0.99% pm up to 65% LTV £200,000 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 VIEW GUIDE HEAVY REFURBISHMENT 0.89% pm up to 70% LTV 0.94% pm up to 75% LTV £200,000 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 VIEW GUIDE 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 VIEW GUIDE 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 VIEW GUIDE VIEW OUR PROJECTS Up to 70% LTV DEVELOPMENT LOAN From 0.93% pm up to 70% LTV (day one) £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 VIEW GUIDE 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 £200,000 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 VIEW GUIDE 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) VIEW GUIDE 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 £200,000 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 VIEW GUIDE SPECIALIST 3 & 5 YEAR BTL From 7.74% pa for 3 years From 7.49% pa for 5 years £200,000 to £5 million loan size 36 to 60 months loan term Example uses: Purchase (including at auction) Re-mortgage Capital raise VIEW GUIDE 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 VIEW GUIDE 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 VIEW GUIDE COMMERCIAL BRIDGE From 0.99% pm up to 65% LTV £100,000 to £10 million loan size 3 to 24 months loan term Example uses: Property purchase (including at auction) Refinancing of maturing debt Work capital for your business - VIEW GUIDE 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 £200,000 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) VIEW GUIDE 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) VIEW GUIDE VIEW GUIDE 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 £200,000 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 VIEW GUIDE 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 £200,000 to £5 million loan size 3 to 18 months loan term Example uses: Refurbishments (CoW < 40% of OMV) Loft extensions One storey extensions Conversion to residential / HMO VIEW GUIDE COMMERCIAL BRIDGE From 0.99% up to 65% LTV £200,000 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 VIEW GUIDE HEAVY REFURBISHMENT From 0.89% pm up to 70% LTV From 0.94% pm up to 75% LTV £200,000 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 VIEW GUIDE 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 VIEW GUIDE £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 VIEW GUIDE N. IRELAND 3 & 5 YEAR BTL From 7.74% pa up to 70% LTV for 3 years From 7.49% pa up to 70% LTV for 5 years Up to 70% LTV 36-60 months Example Uses: Purchase (including at auction) Re-mortgage Capital raise VIEW GUIDE £100,000 to £3 million loan size

Funding 365 development loan case study. Refinance: Bungalow PURCHASE AND CONSTRUCTION CASE STUDY £390,000 Gross 1.03% PM + 1% EXIT 70% LTV | 66% LTGDV | 80% LTC 12 MONTHS The brief Our solution Underwriter quote With the extra security of the existing house, we were able to deliver 66% LTGDV / 80% LTC to cover the developer’s full cost of works. The client required a loan to purchase a 3 bed semi-detached house in Bristol and cover the works to build a new detached property on its land. "It’s great working with such an experienced developer to help realise their vision. I'm looking forward to seeing this property completed and collaborating with them on future projects." BACK TO PROJECTS BACK TO PROJECTS £390k Gross 1.03% PM + 1% EXIT 70% LTV | 66% LTGDV | 80% LTC 12 MONTHS

Everyone at Funding 365 is committed to reducing our environmental impact. Discover our pledge to slow the climate crisis by funding UK trees. ENVIRONMENT DOING OUR BIT Trees remove carbon and slow the climate crisis. The inspirational team at Protect Earth are committed to working with environmental organisations to plant trees to increase native British tree cover across England and Wales. We're proud to support them, including our pledge to fund a UK tree for each loan completed. As of July 2022, we have funded over 500 trees. You can find out more about Protect Earth here OUR TREE PLEDGE Everyone at Funding 365 is committed to reducing the impact of our working lives on the environment. Steps that we've taken include: WORKPLACE SUSTAINABILITY PAPER: We've drastically reduced the use of paper in our office. Now 100% of our filing and 98% of our correspondence is digital. PLASTIC: Single use plastic is minimised through the use of reusable containers, such as glass milk bottles and metal cups. RECYCLING: Recycling bins are readily available and a designated member of the team ensures that they are being used correctly. ENERGY SUPPLY: Our office building is supplied by 100% green energy. TRAVEL: Storage space and showers are available to facilitate our staff cycling, scooting, walking or running to and from the office. At present, 20% of our team commute at least in part by cycling, scooting, walking or running. All other travel to and from the office is 100% public transport. Like you, we believe that it’s important that everyone plays their part in protecting our planet for future generations. At Funding 365 we're committed to reducing our negative impact on the environment and increasing our positive effect.

Funding 365 3/5 year Specialist BTL. Portfolio consolidation of 99 properties accross the North of England. PORTFOLIO CONSOLIDATION CASE STUDY £5,200,000 7.99% PA 49% LTV 60 MONTHS The brief Our solution Underwriter quote We delivered a bespoke facility, splitting the loan into a 3 and 5 year term across the properties and organised a refresh of our original valuation, which enabled us to complete the loan in 20 working days from the initial enquiry. "It is always great working with repeat clients. Working with both a broker and borrower I already have a strong relationship with really makes all the difference with complex cases like this." BACK TO PROJECTS BACK TO PROJECTS A housing association, owning properties across the North of England, no longer required a specialist BTL loan for 99 units. They also needed to release equity for their next purchase, requiring a competitive rate and cost-effective turnaround.

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 LOAN USES FEES & CHARGES Loft conversions Internal decoration and refurbishment 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 Construction of one story extensions 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 Property with adverse environmental conditions Agricultural properties Removal of load bearing walls Properties in England and Wales Adverse credit history considered UK residents and limited companies 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 PROHIBITED USES DEVELOPER INFORMATION 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. | First charge unregulated loans INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 18 months Across England and Wales £200,000 to £5,000,000 Cost of works cannot exceed 40% of the day one market value 2 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) DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET LIGHT DEVELOPMENT LOAN From 0.69% pm up to 65% LTV (day one) From 0.74% pm up to 70% LTV (day one) From 0.79% pm up to 75% LTV (day one) +100% cost of works funded, up to 40% of the market value Up to 24 months loan term Example uses: Refurbishments (CoW < 40% of OMV) Loft extensions One storey extensions Conversions to residential / HMO Product characteristics: First charge, unregulated loans only Loans from £200k to £5m Up to 24 months loan term Across England and Wales Adverse credit history considered Across England and Wales

Specialist 3 & 5 year loans starting from 7.49% pa for residential and semi-commercial properties in Northern Ireland. FLEXIBLE 3-5 YEAR FLEXIBLE 3-5 YEAR N. IRELAND SPECIALIST 3 & 5 YEAR BTL NORTHERN IRELAND SPECIALIST BTL 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 (FIXED) LOAN SIZES LOAN TERMS LOCATIONS 36 or 60 months Across Northern Ireland £100,000 to £3,000,000 2 From 7.49% per annum (see below) 1 Broad spectrum of residential properties considered, including social housing KEY BENEFITS Semi-commercial properties considered, where commercial < 30% of total value Expats and foreign nationals considered, with UK footprint and UK bank account Loans from £100,000 to £3million Suitable for auction purchases Award-winning, quick and personal service - speak directly to an underwriter Security: Residential property in England and Wales. PRODUCT INFORMATION HMOs Loan term available: 3 or 5 years Security: First charge on properties in Northern Ireland. Repayment: Loans are offered on an interest-only basis Adverse credit: Loans are offered for different credit levels (see below) ACCEPTABLE PROPERTIES Residential accommodation MUFBs Social housing Student accommodation Holiday lets Loan Purpose: Purchase, re-mortgage or capital raise Security: Residential property in Northern Ireland Semi-commercial properties Adverse credit: Loans are offered for different credit levels Affordability: 110% of monthly payment amount (monthly pay rate) Affordability: 110% of monthly payment amount LOAN INTEREST RATES PER ANNUM Gross loan to value: 3 Year 5 Year 65% 70% 7.74% 7.49% 7.99% 8.24% 3 4 PRODUCT INFORMATION Additional loading may be applied to the interest margin as follows: Arrangement fee: 2% Broker commission: 1% (taken from arrangement fee) Early repayment charges: ADDITIONAL MARGIN LOADINGS House of multiple occupation - 0.35% Loans under £200,000 - 0.50% Semi-commercial properties - 0.50% Expats and foreign nationals - upon review 5 year term 5% 4% 3% 2% 1% 3 year term 3% 2% 1% 5 Early repayment charges: Classic credit - upon review Exit year Year 1 Year 2 Year 3 Year 4 Year 5 HMOs - 0.35% Prime Classic CREDIT PROFILE No CCJs in the last 2 years (director or company) All CCJs must have been satisfied at least 12 months prior to completion No bankruptcy / IVA in last 3 years If a company is being purchased, credit checks are applied to the acquiring company and its directors The tenant in any commercial property must have a strong credit profile The property should not be deemed to be specialist in nature and should be a liquid property which would attract significant mainstream demand should it be marketed for sale in its current condition Up to 2 CCJs of less than £7,000 in the last 2 years (per director or company) All CCJs must be satisfied at the completion date (completion proceeds can be used for this purpose) No bankruptcy / IVA in the last 3 years Where the loan otherwise does not fit the Prime product criteria 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. Funding 365 Limited is registered in England and Wales. Registered address: 20 – 22 Wenlock Road, London N1 7GU. Company Number: 8488034. Sept 2019. 1. 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. Loan interest rates outlined above include a monthly pay rate, retained interest. Indicative pricing based on standard residential property with borrower Prime credit profile. | 2. Larger loans considered upon application. | 3. The total interest rates outlined include a monthly pay rate and retained rate of 2.5%. | 4. The total interest rates outlined include a monthly pay rate and retained rate of 2%. | 5. There is no early redemption charge if the loan is repaid in the last month of it's scheduled term. DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET

Bespoke bridging and development loans terms provided in just 1 hour. Call a friendly underwriter directly on 0800 689 0650 for a seamless, personal experience. HOW WE WORK Once we receive your enquiry (via phone, email, post, website chat, WhatsApp, Twitter or LinkedIn) it is assigned to one of our underwriters, who is fully responsible for the case and your point of contact throughout the lifecycle of the loan. Our underwriter reviews your enquiry and, if it meets our criteria, aims to issue bespoke, credit-backed terms within just one hour. If you decide to proceed with our terms, the next step is to pay the valuation fee and provide us with the completed and signed application form. Our underwriter then instructs suitable valuation and lender legal firms from our extensive panels, whilst carrying out all underwriting due diligence and liaising with all parties. Once all checks have been satisfied, our loan completes and we release funds. 1. 2. 3. 4. 5. 6. Our underwriter remains in contact throughout the term of the loan, assisting with further drawdowns for works (if required), any prepayments (if applicable) and the final repayment process. In order to deliver exceptional service for our clients we have developed a unique way of working. Our multi-tasking underwriters are empowered to take ownership of each case from initial enquiry through to completion. This means never being swapped from one department to another, no crossed wires and no delays. Just the certainty of straightforward solutions and a seamless, personal experience throughout. PROCESSES UNIQUELY SEAMLESS PROCESSES UNIQUELY SEAMLESS HOW WE WORK VIEW UNDERWRITING REQUIREMENTS

Funding 365 light refurbishment loan case study. Refurbishment of a 3 storey house in Nottingham. £2.6 million 27% LTV | 53% LTGDV 0.97% PM The brief Our solution Borrower quote We delivered a bespoke loan of £600,000 on day one with a further £2 million in tranches at an interest rate of 0.97% per month for our experienced developer borrower to be able to deliver their project. The client required a heavy refurbishment loan to convert a hotel into 19 flats. They plan to exit via a combination of sale and refinance onto buy to let mortgages. "We found Funding 365 very quick and easy to work with and they gave us a really flexible loan facility to ensure we would have sufficient funds and time to complete our project." 5 Star Google Review BACK TO PROJECTS HMO CONVERSION: HOTEL IN KENT CASE STUDY