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 Gross 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.”

Funding 365 Revamps Stepped Rate Bridge from 0.39% pm Funding 365 Revamps Stepped Rate Bridge from 0.39% per month Funding 365 has today announced new rates for its Stepped Rate Bridge product, with interest starting at just 0.39% per month for the first six months. From months seven to 12 the interest rate steps up to 1.15% per month and there is an exit fee of 1.15%. These rates apply to loans up to 65% LTV. Up to 75% LTV is available, with interest starting at 0.49% per month for the first six months. The first charge, unregulated product delivers loans between £200,000 and £5 million, secured against residential properties across England and Wales. Permitted uses include property purchase, refinance, refurbishment and development exit. In line with all of Funding 365’s transparent products, there are no admin fees or early redemption charges (subject to a 3 month minimum term). These rates are based on a 1.5% broker commission. Interest rates for Funding 365’s flat rate Residential Bridge start at 0.69% per month. For more information on Funding 365’s full product range visit www.funding-365.com/products or speak to a Funding 365 underwriter directly on 0800 689 0650 or underwriting@funding-365.com Funding 365 Director, Mike Strange, comments, "Our Stepped Rate Bridge product is a great option for those clients who would benefit from a lower initial interest rate and / or who believe that they will be able to exit their loan early. This makes it particularly suited to landlords who are looking to purchase investment property before finding tenants and exiting on to a buy-to-let mortgage, or developers who are looking to exit their development funding and are already in the process of selling their properties.”

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 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 TO EXTRAORDINARY FINANCE WELCOME STEPPED RATE BRIDGE NORTHERN IRELAND BRIDGE LEARN MORE LEARN MORE From 0.84% pm From 0.39% pm DEVELOPMENT LEARN MORE From 0.93% pm HEAVY REFURBISHMENT From 0.84% pm LEARN MORE COMMERCIAL BRIDGE LIGHT REFURBISHMENT LEARN MORE LEARN MORE From 0.99% From 0.69% pm RESIDENTIAL BRIDGE AVM BRIDGE LEARN MORE LEARN MORE From 0.79% 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 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 AVM BRIDGE VIEW GUIDE For purchase, refinance and / or light refurbishment of C3 residential properties 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 HEAVY REFURBISHENT For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit VIEW GUIDE 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 7.49% pa SPECIALIST 3 & 5 YEAR BTL N. IRELAND 3 & 5 YEAR BTL From 7.49% pa LEARN MORE

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 RESIDENTIAL BRIDGE From 0.69% pm up to 65% LTV From 0.74% pm up to 70% LTV From 0.79% pm up to 75% LTV £100,000 to £5 million loan size 3 to 18 months loan term Example uses: Property purchase (including at auction) Property refinance Development exit Short term cash flow requirements Light refurbishment (self-funded) 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 £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 VIEW GUIDE 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 AVM BRIDGE From 0.79% per month Up to 55% LTV for refinances Up to 65% LTV for purchases Up to 75% LTV for purchases with borrower-funded refurb £100,000 to £1 million loan size 3 to 18 months loan term Example uses: Property purchase (inc. at auction) Development exit Refinancing residential property Short term cash flow requirements Self-funded light refurbishments 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 From 0.93% pm up to 85% LTV £100,000 to £5 million loan size Build costs up to 40% of the OMV up to 75% LTGDV 3 to 18 months loan term Example uses: Refurbishments Loft extensions One storey extensions Conversions to residential / HMO VIEW GUIDE 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 VIEW GUIDE PRODUCTS TRANSPARENT, FLEXIBLE, BESPOKE HEAVY REFURBISHMENT From 0.89% pm up to 70% LTV From 0.94% pm up to 75% LTV Build costs up to 150% of the OMV up to 75% LTGDV 3 to 18 months loan term Example uses: Heavy refurbishments (CoW <150% of OMV)Conversion to residential / HMOFinish and exit VIEW GUIDE £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) 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 £100,000 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 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 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 £100,000 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 HEAVY REFURBISHMENT From 0.89% pm up to 70% LTV From 0.94% pm up to 75% LTV Build costs up to 150% of the OMV up to 75% LTGDV 3 to 18 months loan term Example uses: Heavy refurbishments (CoW <150% of OMV)Conversion to residential / HMOFinish and exit VIEW GUIDE £100,000 to £5 million loan size 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 £100,000 to £5 million loan size 3 to 18 months loan term Example Uses: Property purchase (including at auction) Refurbishment Development Exit Portfolio consolidation 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 £100,000 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 From 0.93% pm up to 85% LTV £100,000 to £5 million loan size Build costs up to 40% of the OMV up to 75% LTGDV 3 to 18 months loan term Example Uses: Loft conversion Internal decoration and refurb Property conversion to resident LIGHT DEVELOPMENT From 0.64% pm up to 65% LTV (day one) From 0.69% pm up to 75% LTV (day one) £5 million loan size 3 to 24 months loan term Example Uses: PDR schemes Heavy refurbishment projects Property conversion to residential Finish and exit 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 £100,000 to £2 million loan size 3 to 18 months loan term Example Uses: Property purchase (including at auction) Refinancing of maturing debt Working capital for your business 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 £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) VIEW GUIDE INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE COMMERCIAL BRIDGE From 0.99% pm up to 65% LTV £100,000 to £2 million loan size 3 to 18 months loan term Example uses: Property purchase (including at auction) Refinancing of maturing debt Working capital for your business VIEW GUIDE HEAVY REFURBISHMENT 0.89% pm up to 70% LTV 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 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 From 0.93% pm up to 85% LTV £100,000 to £5 million loan size Build costs up to 40% of the OMV up to 75% LTGDV 3 to 18 months loan term Example uses: Refurbishments (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 £100,000 to £5 million loan size 3 to 12 months loan term Example uses: Property purchase (including at auction) Development exit Refinancing residential property Short term cash flow requirements VIEW GUIDE 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 VIEW GUIDE Up to 75% LTV AVM BRIDGE Up to 55% LTV for refinances Up to 65% LTV for purchases Up to 75% LTV for purchases with borrower-funded refurb £100,000 to £1 million loan size 3 to 18 months loan term Example uses: Property purchase (inc. at auction) Development exit Refinancing residential property Short term cash flow requirements Self-funded light refurbishments VIEW GUIDE From 0.79% per month RESIDENTIAL BRIDGE From 0.89% pm up to 70% LTV From 0.94% pm up to 75% LTV £100,000 to £10 million loan size 3 to 24 months loan term Example uses: Property purchase (including at auction) Refurbishment Development exit Portfolio consolidation 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 £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) 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 £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 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 From 0.93% pm up to 85% LTV £100,000 to £5 million loan size Build costs up to 40% of the OMV up to 75% LTGDV 3 to 18 months loan term Example uses: Refurbishments Loft extensions One storey extensions Conversions to residential / HMO VIEW GUIDE 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 VIEW GUIDE AVM BRIDGE From 0.79% per month Up to 55% LTV for refinances Up to 65% LTV for purchases Up to 75% LTV for purchases with borrower-funded refurb £100,000 to £1 million loan size 3 to 18 months loan term Example uses: Property purchase (inc. at auction) Development exit Refinancing residential property Short term cash flow requirements Self-funded light refurbishments 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

Fast and affordable short term funding for purchase, refinance or refurb of residential investment properties in England and Wales. AVM RESIDENTIAL 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 Owner occupied properties High value single asset properties Farms or agricultural properties First charge unregulated loans across England & Wales Residential short lease properties considered Hometrack confidence level of 5 or higher required for an AVM 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 without sufficient comparable sales data 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 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 0.79% per month Up to 55% LTV for refinances Up to 65% LTV for purchases Up to 75% LTV for purchases with borrower-funded refurb £100,000 to £1 million loan size Up to 18 months loan term Permitted uses: Purchasing residential C3 property (inc. at auction) Development exit Refinancing residential C3 property Short term cash flow requirements Self-funded light refurbishments Prohibited uses: Owner-occupied properties High value single assets Properties without sufficient comparable sales data Farms or agricultural properties Properties with a Hometrack confidence level of 4 or lower Across England and Wales INCL. SEMI-COMMERCIAL WHERE COMMERCIAL < 30% VALUE RESIDENTIAL BRIDGE INTEREST RATES From 0.79% per month 1 (1.5% broker commission) (2% broker commission) From j0.84% per month (2% broker commission) GROSS LTVS Up to 55% for refinances Up to 65% for purchases Up to 75% for open market purchases where the property will be refurbished using borrower funds LOAN SIZES £100k to £1m 2 LOAN TERMS £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 0.79% per month 1 (1.5% broker commission) (2% broker commission) From 0.84% per month (2% broker commission) 12 to 18 months LOCATIONS Across England and Wales INTEREST RATES From 0.79% per month 1 (1.5% broker commission) (2% broker commission) From 0.84% per month (2% broker commission) MAXIMUM GROSS LTV Up to 55% for refinances Up to 65% for purchases Up to 75% for open market purchases where the property will be refurbished using borrower funds LOAN SIZES 2 £100,000 to £1,000,000 LOAN TERMS 12 to 18 months LOCATIONS Across England and Wales LOAN SIZES £100,000 to £10,000,000 3 LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales DOWNLOAD PDF PRODUCT SHEET DOWNLOAD PRODUCT SHEET DOWNLOAD PRODUCT SHEET PERMITTED USES Buying or refinancing residential C3 property Development exit and marketing Borrower-funded light refurbishments 3 Short term cash flow requirements Auction purchases FEES & CHARGES Arrangement fee: 2% Broker commission: From 1.5% (taken from the arrangement fee) Legal fees: At market rate, provided upon application 5 Exit fee: None Early Repayment Charge: None (subject to 3 months' minimum interest) Valuation fee: From £150 4 4 Valuation fee: From £150

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 INTEREST RATES 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) GROSS LTVS Up to 75% for refinances Up to 85% for purchases LOAN SIZES £100k to £5m (max. £1m 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 £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% 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 0.69% 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 (2% broker commission) LOAN TERMS 12 to 18 months LOCATIONS Across England and Wales 1 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 Up to 75% gross LTV for refinances Up to 85% gross LTV for purchases

Why AI won’t be taking our jobs just yet It seems likely that, at some point in the near future, AI will significantly impact business by replacing jobs. In some industries it already has. Technological innovation in recent years has transformed how mortgages are delivered. At Funding 365, we use various fintech tools to improve the efficiency and security of our transactions. Our underwriters use Thirdfort and Creditsafe, for example, to assist with our KYC and AML checks. We’re also happy to be on various platforms which amalgamate lenders’ criteria, rates and fees for those brokers and borrowers who are not familiar with the ever-changing specialist lender landscape. However, the specialist property finance industry has always prided itself on relationships. It values collaboration between brokers and lenders to craft bespoke solutions for property professional clients who want to know that they are choosing the best option not only in terms of price, but also service. This won’t change overnight. BLOG | Why AI won’t be taking our jobs just yet It seems likely that, at some point in the near future, AI will significantly impact business by replacing jobs. In some industries it already has. Technological innovation in recent years has transformed how mortgages are delivered. At Funding 365, we use various fintech tools to improve the efficiency and security of our transactions. Our underwriters use Thirdfort and Creditsafe, for example, to assist with our KYC and AML checks. We’re also happy to be on various platforms which amalgamate lenders’ criteria, rates and fees for those brokers and borrowers who are not familiar with the ever-changing specialist lender landscape. However, the specialist property finance industry has always prided itself on relationships. It values collaboration between brokers and lenders to craft bespoke solutions for property professional clients who want to know that they are choosing the best option not only in terms of price, but also service. This won’t change overnight. Current technology is simply not sophisticated enough to replace human underwriters for complicated enquiries. I can’t speak for regulated bridging and long term buy to let lenders whose enquiries are usually more straightforward, but the unregulated bridging, development and specialist BTL cases we see have elements of nuance that still benefit from being underwritten and handled by a human. Which is great news for our team. We have a unique underwriter-led proposition, which means that two thirds of the Funding 365 team are underwriters. These multi-tasking experts take on the roles of the likes of BDMs, case managers and asset managers at other lenders. When you send an enquiry to Funding 365 by your preferred method - phone, email, WhatsApp, website chat, social media, carrier pigeon - one of our decision-making underwriters will look at it and get back to you personally. They also aim to send out bespoke, credit-backed terms within just one working hour of receiving a full enquiry. If your case progresses, the same underwriter will manage it through the valuation and legal processes to completion. They will also hang on to the loan during its term, handling drawdowns if applicable, all the way to redemption. This means that one person manages each of our loans from start to finish, providing our brokers and borrowers with a uniquely certain, swift and seamless journey. Whilst I will continue to follow fintech developments - and particularly AI - with interest, at present, the best specialist property finance solutions are still created when brokers and lenders put their heads together. The march of progress is unstoppable, but in an industry where relationships and tailored solutions are king, our jobs are safe, for the moment, at least.

Funding 365 enhances flexible 3 year range Funding 365 releases enhanced flexible 3 year range Funding 365 has today announced that it has simplified and improved its Flexible 3 Year and Bridge to 3 Year property loan offerings. The bespoke loans, which can be secured against commercial, semi-commercial and residential (including HMO) properties in England and Wales, are designed to be tailored in terms of pay rate vs retained rate to suit the yield of the borrowers’ properties. Interest rates now start at 6.74% per annum with a minimum pay rate of 4.5%. Funding 365 have also extended the maximum length of the bridging term which can be included in the Bridge to 3 Year product from 8 months to 12 months, in order to provide borrowers with greater scope to be able to exit the loan without any early repayment charges. The starting interest rate of these bridging terms has also been reduced from 7.49% per annum to 7.25%. Read the full story here: https://bridgingloandirectory.co.uk/bridging-finance/funding-365-launches-enhanced-flexible-3-year-property-loan-range/

Funding 365 record record month number of enquiries in October Funding 365 reports record month in October Funding 365 has revealed that October was its biggest month to date, with loan enquiries totalling £203million, up 160% YOY. Their underwriters processed 312 unregulated bridging, light development and 3 year loan applications, up 120% YOY. Stated uses for these loans included residential investment property acquisitions, semi-commercial and commercial property purchases, auction completions, landlord portfolio consolidations, business cash flow requirements, refurbishments, conversions and development exits. Funding 365 doesn’t have a panel of brokers, instead believing that it’s only fair to offer all of their products to all intermediaries. In October, they responded to enquiries from 43 new brokers. Read the full story here: https://www.fiba.org.uk/latest-press-blog/funding-365-reports-record-month-in-october/

Funding 365 delivers residential bridging loan in 5 days to save an auction purchase Funding 365 Saves auction purchase in 5 days Funding 365 has stepped in at the last minute to deliver a 12 month, £330,000 residential bridging loan to complete the auction purchase of a dilapidated, semi-detached house in London. John Charcol approached Funding 365 on behalf of the client, who had been let down by another lender after contractual completion and with only days left on their notice period. With time in critically short supply, a new source of finance had to be secured to avoid losing the client’s deposit. Funding 365 moved quickly to instruct the surveyor, with an inspection of the property undertaken one day after receiving valuation fees. Despite the nature of the works required to make the property habitable, which included the installation of a new kitchen and bathroom as well as new flooring and windows, Funding 365 delivered a 70% LTV solution just five days after the enquiry was received. The speedy completion benefitted from close communication between the broker, borrower and underwriter on the case. The result was a highly tailored and competitive loan that enabled the client to use £50,000 of their own funds to complete the refurbishment to a high standard in preparation for refinance onto a buy to let mortgage. The loan is under Funding 365’s flexible Residential Bridge product, which offers tailor-made funding solutions of up to £10 million on residential properties in England and Wales, with no admin fees, exit fees or early redemption fees. All of their transparent products can be viewed on their website, www.funding-365.com/products Read the full story here: https://bridgingandcommercial.co.uk/article/17989/funding-365-saves-auction-purchase-with-%C2%A3330000-bridging-loan

Funding 365 have moved offices to facilitate ambitious growth plans Funding 365 relocates amid plans to grow team by 25 percent Funding 365 has moved to a larger office in south London as it looks to grow its team. The specialist bridging lender will now be based on the South Bank at 30 Stamford Street, London SE1 9PY, having previously been located in Battersea. Funding 365 said the move was driven by two factors: the general expansion of the firm and its specific hiring policy. The larger office and additional desks give it the opportunity to achieve its aim of increasing the team by 25% within the year. The location and facilities - which include free barista coffee, beer on tap and games such as table football and table tennis - have been chosen to appeal to the graduates that the lender is looking to hire and train up. “We operate differently to other bridging lenders in that our underwriters see loans through from initial enquiry to completion and beyond,” said Michael Strange, Managing Director at Funding 365. “Because of this, we like to train up our underwriters ourselves. Our new space and cutting-edge facilities will allow us to continue to attract, train and retain top-quality talent for years to come.” Calum Waite, a Senior Underwriter at Funding 365, added that the whole team was very happy with the move and its new office perks. “The free beer is a highlight. Plus, the new offices are ideally located for broker meetings.”

Funding 365 have further expanded their team to maintain exceptional service levels across their market-leading bridging products. Funding 365 appoints new underwriter Bridging finance provider Funding 365 has appointed another experienced underwriter to add to its growing team. George Petrou brings with him 10 years’ experience in the mortgage industry, having previously worked in mortgage and credit underwriting at Zopa, Santander, Capstone Mortgages and Money Partners Loans. Funding 365 Director, Michael Strange comments,“ We are delighted to welcome George to the Funding 365 team. We’re confident that his wealth of experience and superior level of client servicing will enable us to continue providing our market-leading fast and personal service despite our incredible rate of growth.”