Funding 365 and Credicus deliver 0.79% bridging loan Funding 365 has completed a residential bridging loan with an interest rate of 0.79% per month to enable its borrower to purchase a semi-detached house in Essex. Introduced by Credicus, the £225,000 loan will allow the client to refurbish the property with their own funds before exiting on to a term BTL loan. The loan is under Funding 365’s versatile Residential Bridge product which offers bespoke solutions of up to £5m+ on properties across England and Wales with interest rates from 0.74% per month. Katie Spitz, Senior Underwriter, Funding 365, comments: “We always aim to deliver the best interest rates possible to help our borrowers achieve their goals, which is a vision shared by Darren and the team at Credicus. It’s always a pleasure to work with intermediaries who value transparency and getting the right deals for their clients.” Darren Peiris, Specialist Lending Advisor, Credicus, adds: “The underwriting team at Funding 365 were excellent as always. Even though the seller was slow to respond, there were no delays from the lender. I look forward to working with them again on the next deal.“

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 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 £700,000 refurbishment bridge 15 July 2024 READ MORE Funding 365 enters BTL market with specialist three- and five-year fixes 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 Funding 365 completes bridging loan in 24 hours 5 May 2019 READ MORE Funding 365 completes £2.7m development exit bridge in just 3 days 1 March 2019 READ MORE Funding 365 completes complex £3m semi-commercial bridging loan 7 January 2019 READ MORE Funding 365 completes £1.6m commercial bridge in just 3 days 15 October 2018 READ MORE Funding 365 completes short lease bridging loan in just 3 days 26 June 2018 READ MORE Funding 365 relocates amid plans to grow team by 25 percent 12 June 2018 READ MORE Funding 365 increases maximum loan term to 18 months 22 October 2017 READ MORE Funding 365s charity gallop raises over £1,250 6 October 2017 READ MORE Funding 365 promotes Eddie Boakye to Head of Underwriting 1 October 2017 READ MORE Funding 365 and Adapt complete £3m of complex bridging loans this month 1 October 2017 READ MORE Funding 365 reveals reduced commercial bridging rates from 0.75 percent pcm 1 April 2017 READ MORE NEWS READ ALL ABOUT IT

Funding 365 and Clifton Private Finance deliver £4m development exit bridge Funding 365 completed a 75% loan-to-value (LTV) bridging loan with an interest rate of 0.79% per month, to provide a developer borrower with extra time to market and sell their properties. Introduced by Clifton Private Finance, the £4m loan was secured against six new-build houses in North London for a term of 12 months. The loan was under Funding 365’s residential bridge product which offers solutions of up to £5m-plus on properties across England and Wales with no admin fees, exit fees or early repayment charges (ERCs). Katie Spitz (pictured), senior underwriter at Funding 365, said: “This was a classic development exit proposition which allowed us to deliver a 75% LTV loan at a highly competitive rate of 0.79% per month. “The experience of working with Fergus and the Clifton Private Finance team was excellent, once again. “They’re always available to smooth the path for their clients and their communication is first class.” Fergus Allen, head of bridging at Clifton Private Finance, added: “Working with Katie and the team at Funding 365 is always a pleasure and this loan was a great example of the flexibility and exceptional service they offer. “Funding 365 took a view where it was required and reduced their pricing to fend off competition. “The client and I were delighted with their can-do attitude, quick responses and overall enthusiasm to lend. “We’ve had a lot of success with Funding 365 this year and look forward to building on that relationship into 2025.”

£520,000 Gross 30% LTV | 55% LTGDV 1.03% PM The brief Our solution Underwriter quote The complex requirements of this case demanded close correspondence between our team, the broker and the developers. Upon review of the extent of works, we designed a 15 month facility to provide the borrower ample time to finish the project and apply for a long term loan, with 100% cost of works funded in tranches. The borrower required funds to convert their 2 storey commercial unit into a block of 3 apartments with a commercial unit below. With planning to convert the second storey offices into a residential unit and add an additional floor above, they require 100% cost of works funded in tranches. "The complexity of the project made for an interesting process for all involved. This case is a great example of the flexibility of our product suite." BACK TO PROJECTS SEMI COMMERCIAL REFURBISHMENT CASE STUDY

INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 2 From 0.74% up to 65% LTV From 0.79% up to 70% LTV From 0.84% up to 75% LTV 1 (1.5% broker commission) (2% broker commission) From 0.79% up to 65% LTV From 0.84% up to 70% LTV From 0.89% up to 75% LTV (2% broker commission) LOAN 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: Unregulated residential 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 0.74% 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 Up to 24 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: Unregulated residential 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

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 24 months loan term Example Uses: Property purchase (including at auction) Refurbishment Development Exit Portfolio consolidation VIEW GUIDE STEPPED RATE BRIDGE From 0.49% pm up to 65% LTV (6 months) From 0.55% pm up to 70% LTV(6 months) From 0.59% 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 24 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 24 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 24 months loan term Example Uses: PDR schemes Heavy refurbishment and extension Property conversion to residential / HMO Finish and Exit VIEW GUIDE RESIDENTIAL BRIDGE From 0.74% 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 24 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 24 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 24months 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 0.74% 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 24 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 0.49% pm up to 65% LTV From 0.55% pm up to 70% LTV From 0.59% 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 0.74% 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 24 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 0.49% pm up to 65% LTV for 6 months From 0.55% pm up to 70% LTV for 6 months From 0.59% 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 0.74% 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 24 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 24 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 24 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

The brief Our solution Underwriter quote Our team moved quickly to assess the liquidity of the asset and underwrite a bespoke solution. As the commercial aspect accounted for less than 30% of the property value, we managed to deliver a solution at our headline rate of 0.74% per month for 12 months. Our speedy turnaround ensured that the client avoided costly extension charges. The client had an outstanding debt over a newly constructed block of flats in Hull, with a vacant commercial unit below. The borrower has finished works and sold 7 flats. However, with the end of their loan term looming, the borrower needed to secure additional time to market and sell the remaining properties. "We relish opportunities to support ambitious property developers who are servicing the high demand for new housing. In this case, we were able to offer our headline rate and a loan term that fit the borrower's needs perfectly. Credit to the solicitors for their swift work in getting the case across the line." BACK TO PROJECTS £500,000 44% LTV 0.74% PM SEMI-COMMERCIAL BLOCK OF 14 FLATS CASE STUDY

RESIDENTIAL BRIDGE RESIDENTIAL BRIDGE INCL. SEMI-COMMERCIAL WHERE COMMERCIAL <30% VALUE 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 0.74% 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 Up to 24 months loan term Example uses: Property purchase (including at auction) Property refinance Development exit Short term cash flow requirements Light refurbishment (self-funded) Permitted securities: Unregulated residential properties Semi-commercial properties where the commercial element is <30% of the property value Student accommodation Holiday lets (with no title restriction) HMOs Across England and Wales INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 2 From 0.74% up to 65% LTV From 0.79% up to 70% LTV From 0.84% up to 75% LTV 1 (1.5% broker commission) (2% broker commission) From 0.79% up to 65% LTV From 0.84% up to 70% LTV From 0.89% up to 75% LTV (2% broker commission) LOAN SIZES £100,000 to £10,000,000 3 LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales LOAN 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: 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 Property refurbishment permitted 3 Permitted securities: Unregulated residential properties, HMOs, buy to lets, student accommodation, holiday lets with no title restriction 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 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. 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

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 0.74% per month flat and 0.49% 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 0.74% pm LEARN MORE STEPPED RATE BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.49% From 0.99% pm RESIDENTIAL BRIDGE NORTHERN IRELAND BRIDGE LEARN MORE LEARN MORE From 0.84% pm From 0.74% 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 0.74% per month flat and 0.49% 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 0.49% 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 0.49% 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

Funding 365 enters BTL market with specialist three- and five-year fixes Funding 365 has today (11th July) unveiled its new specialist three- and five-year BTL options for England, Wales and Northern Ireland. The products offer loans from £100,000 to £5m (maximum £3m for lending in Northern Ireland) for purchases, remortgages or capital raise, with fixed rates starting from 7.49% per annum with a 2% arrangement fee. They cater for a broad spectrum of residential properties, including social housing, HMOs, MUFBs, student accommodation and holiday lets — semi-commercial properties are also considered where commercial is less than 30% of the total value. The BTL options are available for a range of borrowers, with expats, foreign nationals with a UK credit footprint, offshore companies and first-time buyers all considered on a case-by-case basis. “As you would expect from Funding 365, we’ve created buy to let products that are simple, straightforward and with clear benefits,” said Laura Kendall, marketing director at Funding 365 (pictured above). “Moreover, they will be delivered by the same team that won Service Excellence at the recent B&C Awards, so our clients can be sure of a personal experience and no delays.” Mike Strange, director at Funding 365, added: “We always look to find the best solutions for our borrowers, so we’ve delivered occasional bespoke three- and five-year loans over the years. “With a marked increase in demand recently, it made sense for us to solidify our offerings and make them available to the whole of the market. “We look forward to delivering funding for even more property professionals.”

The new bridging lender survival guide As Funding 365 is now approaching its first anniversary it seems an appropriate time to reflect upon the various things that we’ve learnt over the past year. Clearly we have learnt a lot... for example, the world remains big enough for airplanes to vanish without trace; Alex Ferguson is (probably literally) worth his weight in gold; the US Government has access to everything we say and write (although, after watching Enemy of the State in 1998, we already knew that). Whilst all of these things are interesting, our first year in the bridging sector has also taught us some invaluable business lessons. As we are a generous lot at Funding 365, we thought we would put these down to share with other new entrants to the bridging sector (or to any incumbents who may have found themselves suffering from the growing pains that are inevitable when part of a rapidly growing sector). Below is the resulting Funding 365 survival guide for new bridging lenders. 1. Know your competitive strength When making your first steps into the bridging market it’s hard to know exactly what your strengths and weaknesses are compared to the incumbent lenders. In the early days of Funding 365 we had several demoralising conversations with brokers (who shall remain nameless) where they said, “we have 100 lenders, we use about 5 - I don’t think we need another lender”. Needless to say, within six months these same brokers were banging down our door because in actual fact they did need another lender; they needed one who offered super fast execution. It became clear to us from that point forward that the Funding 365 set up (by luck more than by design, quite honestly) allowed us to offer significantly faster execution than that offered by other lenders in the market. This was our competitive advantage and it has allowed us to capture a decent share of the market in our first year. Your organisation may have a competitive advantage in being more aggressive on HMOs, or more attracted to properties in Scotland / Northern Ireland / ex-London & South East, or perhaps you’re happier with commercial property than other lenders. You need to find out what your competitive advantage could be, focus on it, nurture it and market it. 2. Understand your funding constraints and originate accordingly Whilst there are a handful of banks operating in the bridging space, bridging lenders are predominantly privately-funded organisations. Some organisations are funded by a few private individuals, some by accessing family offices and small investment funds and some have been bought out and funded by private equity sponsors. Understanding your funding constraints is the single most important thing that any financial institution should worry about. It’s not just about the quantum of potential funding that you have access to; it’s the quality of the funding and its flexibility that really matters. For example, why did Northern Rock, Bradford & Bingley and HBOS all get into trouble? If your answer is, “they were writing bad mortgages”, you would be wrong, massively wrong (and almost seven years after the start of the crisis, even broadsheet papers (excluding the FT) are still feeding the populace this nonsense). Northern Rock et al. got into trouble because they did not have appropriate focus on their funding sources versus the liabilities they were incurring. To be more specific, they had an over-reliance on the securitisation and covered bond market which, when these markets closed (due to losses arising on US sub-prime mortgage bonds), left them unable to fund their existing commitments to borrowers. The proof that the mortgage quality was pretty good is contained in the fact that the Northern Rock ‘bad bank’ has been profitable ever since it was created (which confounded many journalists who bought into the myth of poor asset quality). In the bridging sector, things are (thankfully) somewhat more straightforward. You need to understand what your funders are happy for you to originate, where they will be flexible and where they will not, and the timescales that you will have to operate under to receive funding. Since Funding 365’s funding is 100% controlled by its management team (who are also the credit committee), we can agree amongst ourselves whether we like a loan or not and therefore make decisions instantly (well, sometimes after a hot cup of coffee and a hotter debate). We do not need to strictly adhere to a matrix of LTVs or live by mantras such as, “we will never bridge a bridge”. Ideally, you should only attempt to originate loans that you know your funders will accept without debate. If your funders delay approval of a particular loan or (as happens all too frequently) refuse to fund it at the last minute, this will sound a death knell for your relationship with the respective introducer and the borrower. Given that this is a small industry, word travels quickly and this failure will soon be known by everyone in the market. 3. Work with brokers who can be a long term partner Our first year of business taught us that there are highly reputable and professional brokers / introducers / packagers (in Funding 365 we call them our ‘Broker Partners’) and those who are purely out for a fast buck and will not be a reliable long term business partner. I like the saying, “you can shear a sheep many times but skin it only once”, which is a mantra that some brokers would do well to learn and live by. How do you develop a relationship with a broker partner? Like finding a wife / girlfriend, I am sure there are many ways to do this. You could throw money at the problem (Russian style) by paying the highest proc fees in the market; you could wine, dine and charm your targets (French style); or you could just market your strengths and try to find a broker who is looking for a lender with this particular strength (let’s call this the match.com approach). Whilst I don’t believe there are any shortcuts to achieving this particular objective, it is a fundamental one. If you don’t garner strong broker partner relationships, you risk finding yourself used as a stalking horse and only able to execute deals that other lenders don’t want to touch. 4. Ensure execution is stellar Having targeted your strengths, lined up your funding and found your broker partners, it’s time to do what you said you could do. For example, if you said that you could operate quickly, ensure that you are able to do so (and not just once or twice; every time). Bridge lending is an industry where high volumes of proposals are received and loans need to be completed efficiently. To ensure that you can execute efficiently you need to have a solid, scalable IT system as well as high quality, trustworthy staff. If you’re a new lender, it’s important therefore to put in the investment into your systems and people upfront - the industry moves too rapidly for you to play catch-up. Ultimately, efficient execution requires focus, dedication, good systems and quality people. If you have all of this in place you should be in a position to back up your words with action. As our friends at Brightstar Financial said to us recently, “it’s nice to see a lender who can walk the walk, not just talk the talk”. Efficient execution builds the bonds of trust and the foundations for repeat business. So, the above, in a nutshell, outlines the four key areas that we believe a new bridge lender needs to get right to survive in this competitive market. The final (unwritten) rule is to try to have a bit of fun - there are plenty of characters in the industry and a lot of interesting stories. Has anyone heard about the lender who tried to repossess a house, only to find that the borrower lived with his pet horse? That’s a story for another time! Mike Strange Director, Funding 365 Limited michael.strange@funding-365.com Read the full article at: https://www.funding-365.com/news

Funding 365 delivers £1.1million auction finance at 0.59pcm Funding 365 has completed yet another unregulated bridging loan at 0.59% per month, this time to enable a borrower to complete their auction purchase of a house in North London. The townhouse property was in good condition and tenanted, so Funding 365 was able to provide the fully-serviced 9 month loan at 60% LTV. The team at Funding 365 worked closely with the introducing broker, SPF Private Clients, to ensure that the client’s auction deadline was met with time to spare. Funding 365 does not charge exit fees or ERCs on any of its bridging loans. All products, rates and fees can be viewed at www.funding-365.com/products Funding 365 Senior Underwriter, Jonathan Brooks, comments, “We only advertise interest rates that we’re happy to write, so it’s very satisfying to be able to provide yet another borrower with our 0.59% per month interest rate. Thanks to Laura and Nancy at SPF Private Clients for introducing the deal and ensuring a smooth process.” Laura Toke, Broker at SPF Private Clients, adds, “I approached Funding 365 for this auction purchase as the client needed a loan of £1.1million and they were able to offer a really competitive rate of 0.59% per month. They only had a few weeks before the contractual completion date and I was really impressed at how quick and professional the team were to get the deal over the line within the auction timeframes. Funding 365 are a pleasure to deal with and I look forward to working with them in the future.”