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  • Flexible Bridging and Development products | From 0.89% | Funding 365

    VIEW OUR PROJECTS We specialise in highly competitive, unregulated bridging, development and 3-5 year loans secured against a wide range of properties across England and Wales. ​ See below for information on each of our flexible products, or alternatively contact one of our dedicated underwriters directly for a quick indication 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 VIEW OUR PROJECTS PROCESSES UNIQUELY SEAMLESS 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 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 Working capital for your business - - VIEW GUIDE 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 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 LIGHT DEVELOPMENT From 0.89% pm up to 65% LTV (day one) From 0.94% pm up to 75% LTV (day one) £200,000 to £5 million loan size 3 to 24 months loan term Example Uses: PDR schemes Heavy refurbishment projects Commercial conversion to residential Finish and exit VIEW GUIDE FLEXIBLE 3-5 YEAR LOAN From 9.99% per annum up to 75% LTV £200,000 to £2 million loan size 36-60 months loan term Example Uses: Credit repair Change of use Business stabilisation - VIEW GUIDE GROUND UP DEVELOPMENT 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 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 Refinancing of maturing debt Working capital for your business 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 Working capital for your business VIEW GUIDE LIGHT DEVELOPMENT From 0.89% pm up to 70% LTV (day one) From 0.94% pm up to 75% LTV (day one) £200,000 to £5 million loan size 3 to 24 months loan term Example uses: PDR schemes Heavy refurbishment projects Commercial conversion to residential Finish and exit VIEW GUIDE STEPPED RATE BRIDGE 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 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 FLEXIBLE 3-5 YEAR From 9.99% pa up to 70% LTV £100,000 to £2 million loan size 36 to 60 months loan term Example uses: Credit repair Change of use Business stabilisation VIEW GUIDE VIEW OUR PROJECTS GROUND UP DEVELOPMENT 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 HMO and holiday lets accepted ​ VIEW GUIDE 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 0.89% 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 Working capital for your business ​ VIEW GUIDE GROUND UP DEVELOPMENT From 0.93% pm up to 70% LTV / 65% LTGDV / 85% LTC £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 ​ VIEW GUIDE FLEXIBLE 3-5 YEAR LOAN From 9.99% per annum up to 70% LTV ​ £200,000 to £2 million loan size 36 to 60 months loan term Example uses: Credit repair Change of use Business stabilisation - VIEW GUIDE LIGHT DEVELOPMENT From 0.89% pm up to 70% LTV (day one) From 0.94% pm up to 75% LTV (day one) £200,000 to £5 million loan size 3 to 24 months loan term Example uses: PDR schemes Heavy refurbishment projects Commercial conversion to residential Finish and exit VIEW GUIDE

  • Development Loans for Heavy Refurb | Conversion | PDR | Funding 365

    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 GROUND UP DEVELOPMENT LOAN USES FEES & CHARGES Ground up development HMO and holiday lets accepted First time developers considered Arrangement fee: 2% Broker commission: 1% - 1.5% (taken from the arrangement fee) Exit fee: 1% of gross loan 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 3 Valuation fee: At market rate, provided upon application 2 Finish and exit (pre wind and watertight) 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 Developments with more than 15 units Properties with adverse environmental conditions Owner occupied property Non-standard construction 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. PROHIBITED USES PRODUCT CHARACTERISTICS 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. Higher LTVs are available with the provision of additional security (first charge basis). | 2. To be paid upfront. | 3. 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. | 4. 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 4 Funding provided up to 100% CoW up to 65% LTGDV Properties in England and Wales only UK residents and limited companies only Unregulated residential properties only Maximum LTC: 85% INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 18 months Across England and Wales From 0.93% up to 75% LTV 1 (1% broker commission) (1.5% broker commission) From 0.97% up to 75% LTV (1.5% broker commission) £250,000 to £1,500,000 DOWNLOAD PDF PRODUCT SHEET LIGHT DEVELOPMENT LOAN

  • Development Loans for Heavy Refurb | Conversion | PDR | Funding 365

    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 DEVELOPMENT LOAN 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 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 potential environmental contamination Farms or agricultural property Ground up developments and land 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 PROHIBITED USES DEVELOPER INFORMATION 1. Reductions in interest rates are available for larger loans on a case by case basis. 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 70% LTGDV INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 2 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) DOWNLOAD PDF PRODUCT SHEET LIGHT DEVELOPMENT LOAN

  • Funding 365 Rescues Deal with Innovative Thirdfort Software

    Funding 365 Rescues Deal with Innovative Thirdfort Software Funding 365 has saved an unusual commercial bridging deal by employing client onboarding software provided by Thirdfort. The £195,000 bridging loan secured against offices and retail space in the East Midlands was for a corporate borrower with a major shareholder who was sailing a yacht off the coast of Australia. The innovative technology, which Funding 365 has integrated into its underwriting processes, enabled the lender to complete remote, rapid and secure know your customer (KYC), anti-money laundering (AML) and fraud prevention checks on the seafaring shareholder to allow a swift completion of the loan. The intuitive application utilises digital ID checks, facial recognition technology, PEPs and Sanctions screenings and document authentication scans, as well as checks on borrower’s bank accounts facilitated by Open Banking. Read the full story here: https://www.thirdfort.com/resources/funding-365-rescues-deal-with-innovative-thirdfort-software/

  • Conversion of Vacant Retail Unit | Funding 365

    The brief Our solution Underwriter quote The complex requirements of this case demanded close, consistent correspondence between our team, the broker and the developers. Our underwriter on the case visited the property and met with the borrowers and the appointed QS to discuss their plans for converting the unit. This was supplemented by comprehensive background checks which confirmed the borrower's experience and strong credit history. As a result of this due diligence, we were able to offer a highly competitive, 15 month solution at a rate of 0.60% per month. The drawdowns were carefully designed to support the developer in every step of the conversion process. The client needed to take out debt on an unencumbered, vacant retail unit in Slough, England, to raise funds for onwards projects. They also required development funding to convert the security into 8 new apartments. There's some exciting regeneration going on in this area and it's really satisfying to be a part of this. I'm confident that this will be a great addition to the local area, not least because of the developer's reputation for creating fantastic conversions. Broker quote It's good to work with a lender that shares our values in an efficient closing process and takes an interest in the developer and their project. This makes for a straightforward process and rewarding for all parties involved. BACK TO PROJECTS £1.8 MILLION 73% LTV 0.60% PER MONTH FUNDRAISE & DEVELOPMENT: VACANT RETAIL UNIT CASE STUDY

  • Residential Bridge on a Portfolio of Houses | Funding 365

    The brief Our solution Underwriter quote Given the borrower's experience within the property industry, resulting in a sizable property portfolio, our team were able to craft a bridging solution that was a cut above the competition. Our 12 month, 75% LTV solution - delivered at a rate of 0.67% - proved to be the perfect fit for his latest project. Since completing this loan, our short-term financing has become a staple part of the client's business model. To date, over 100 properties (spread across several loans) have benefitted from the same solution. The borrower sought the purchase of 35 houses in poor condition. Once secured, the client intended to conduct internal refurbishments to bring them up to a higher standard. This case exemplifies the strength of our products and the high quality service that we're capable of delivering time and time again. I look forward to supporting this client with other exciting protfolio projects in the future using our great bridging product. BACK TO PROJECTS £2 MILLION 0.67% PER MONTH 75% LTV PURCHASE: PORTFOLIO OF 35 HOUSES CASE STUDY

  • Funding 365 | Privacy Policy

    PRIVACY POLICY OUR PRIVACY POLICY Key terms It would be helpful to start by explaining some key terms used in this policy: We, us, our: Funding 365 Limited, Funding 365 Capital Limited and affiliated companies Our data protection officer: Michael Strange ​ 20 - 22 Wenlock Road, London, N1 7GU ​ michael.strange@funding-365.com ​ 0203 950 5280 Personal information: Any information relating to an identified or identifiable individual Special category personal information: Personal information revealing racial or ethnic origin, political opinions, religious beliefs, philosophical beliefs or trade union membership ​ Genetic and biometric data ​ Data concerning health, sex life or sexual orientation Personal information we collect about you • your name and contact information, including email address and telephone number and company details • Information to enable us to check and verify your identity, eg your date of birth • your gender information, if you choose to give this to us • location data, if you choose to give this to us • your billing information, transaction and payment card information • your contact history, activity history and saved items • information from accounts you link to us • information to enable us to undertake credit or other financial checks on you and financial information (including bank or building society account details and details of debit cards used in relation to our services); • Information about how you use our website, IT, communication and other systems • your passwords and security question answers used to access our on-line services • sensitive information (such as any medical information you disclose to us (although we will always get specific permission from you before recording this type of information) We may collect and use the following personal information about you: This personal information is required to provide products and/or services to you. If you do not provide personal information we ask for, it may delay or prevent us from providing products and/or services to you. How your personal information is collected We collect most of this personal information directly from you—in person, by telephone, text or email and/or via our website and apps (as appropriate). However, we may also collect information: • from publicly accessible sources, eg Companies House or HM Land Registry; • directly from a third party, eg: –sanctions screening providers; – credit reference agencies; – customer due diligence providers; – fraud prevention agencies, – insolvency practitioners, – debt advisers, – tracing agents; and – commercial databases • from a third party with your consent, e.g. other financial institutions with whom you have a relationship • from cookies on our website—for more information on our use of cookies, please see our cookies policy • to comply with our legal and regulatory obligations; • for the performance of our contract with you or to take steps at your request before entering into a contract; • for our legitimate interests or those of a third party; or • where you have given consent. Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.: How and why we use your personal information A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests. The table below explains what we use (process) your personal information for and our reasons for doing so: What we use your personal information for To provide products and/or services to you To prevent and detect fraud For the performance of our contract with you or to take steps at your request before entering into a contract —Conducting checks to identify our customers and verify their identity ​ —Screening for financial and other sanctions or embargoes ​ —Other processing necessary to comply with professional, legal and regulatory obligations that apply to our business, e.g. rules issued by our professional regulator Ensuring business policies are adhered to, e.g. policies covering security and internet use For our legitimate interests or those of a third party, i.e. to make sure we are following our own internal procedures so we can deliver the best service to you Our Reasons For our legitimate interests or those of a third party, i.e. to minimise fraud that could be damaging for us and for you To comply with our legal and regulatory obligations What we use your personal information for Our reasons Efficiency, training and quality control party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price Ensuring the confidentiality of commercially sensitive information For our legitimate interests or those of a third party, i.e. to protect trade secrets and other commercially valuable information To comply with our legal and regulatory obligations Statistical analysis to help us manage our business, e.g. in relation to our financial performance, customer base, product range or other efficiency measures For business, e.g. in relation to our financial performance, customer base, product range or other efficiency measures For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price Preventing unauthorised access and modifications to systems For our legitimate interests or those of a third party, i.e. to prevent and detect criminal activity that could be damaging for us and for you To comply with our legal and regulatory obligations Updating and enhancing customer records For the performance of our contract with you or to take steps at your request before entering into a contract To comply with our legal and regulatory obligations For our legitimate interests or those of a third party, e.g. making sure that we can keep in touch with our customers about existing orders and new products Statutory returns Ensuring safe working practices, staff administration and assessments To comply with our legal and regulatory obligations F or our legitimate interests or those of a third party, e.g. to make sure we are following our own internal procedures and working efficient ly so we can deliver the best service to you What we use your personal information for —existing and former customers; ​ —third parties who have previously expressed an interest in our services; ​ —third parties with whom we have had no previous dealings. Our reasons Former customers Credit reference checks via external credit reference agencies External audits and quality checks, e.g. for ISO or Investors in People accreditation and the audit of our accounts For our legitimate interests or those of a third party, i.e. to ensure our customers are likely to be able to pay for our products and services For our legitimate interests or a those of a third party, i.e. to maintain our accreditations so we can demonstrate we operate at the highest standards ​ To comply with our legal and regulatory obligations The above does not apply to special category personal information, which we will only process with your explicit consent. Promotional communications We may use your personal information to send you updates (by email, text message, telephone or post) about our products and/or services, including exclusive offers, promotions or new products and/or services. We have a legitimate interest in processing your personal information for promotional purposes (see above ‘How and why we use your personal information ’). This means we do not usually need your consent to send you promotional communications. However, where consent is needed, we will ask for this consent separately and clearly. We will always treat your personal information with the utmost respect and never sell or share it with other organisations for marketing purposes. You have the right to opt out of receiving promotional communications at any time by: • contacting us at marketing@funding-365.com We may ask you to confirm or update your marketing preferences if you instruct us to provide further products and/or services in the future, or if there are changes in the law, regulation, or the structure of our business. Who we share your personal information with We routinely share personal information with: • companies within our group • third parties we use to help deliver our products and/or services to you, e.g. payment service providers, warehouses and delivery companies; • other third parties we use to help us run our business, e.g. marketing agencies or website hosts; • third parties approved by you, e.g. third party payment providers; • credit reference agencies; • our insurers and brokers; • our banks and professional advisers. • where we sell or transfer your loan to another provider we will transfer your data to that provider. We only allow our service providers to handle your personal information if we are satisfied, they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, e.g. in relation to accreditations and the audit of our accounts. ​ We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations. We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. Usually, information will be anonymised but this may not always be possible. The recipient of the information will be bound by confidentiality obligations. We will not share your personal information with any other third party. Where your personal information is held Information may be held at our offices and those of our group companies, third party agencies, service providers, representatives and agents as described above (see above: ‘Who we share your personal information with’). Some of these third parties may be based outside the European Economic Area. For more information, including on how we safeguard your personal information when this occurs, see below: ‘Transferring your personal information out of the EEA’. How long your personal information will be kept We will keep your personal information while you have an account with us or we are providing products and/or services to you. Thereafter, we will keep your personal information for as long as is necessary: • to respond to any questions, complaints or claims made by you or on your behalf; • to show that we treated you fairly; • to keep records required by law and We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information. Further details on this are available from us at contact@funding-365.com When it is no longer necessary to retain your personal information, we will delete or anonymise it. Transferring your personal information out of the EEA To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g. with your and our service providers located outside the EEA. These transfers are subject to special rules under European and UK data protection law. If you would like further information, please contact us OR our Data Protection Officer (see ‘How to contact us’ below). Your rights You have the following rights, which you can exercise free of charge: Access Rectification To be forgotten The right to require us to correct any mistakes in your personal information Restriction of processing Data portability The right to receive the personal information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party—in certain situations To object The right to object: —at any time to your personal information being processed for direct marketing (including profiling); —in certain other situations to our continued processing of your personal information, eg processing carried out for the purpose of our legitimate interests. The right to be provided with a copy of your personal information (the right of access) The right to require us to delete your personal information—in certain situations The right to require us to restrict processing of your personal information—in certain circumstances, e.g. if you contest the accuracy of the data Not to be subject to automated individual decision-making The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you For further information on each of those rights, including the circumstances in which they apply, please contact us or see the Guidance from the UK Information Commissioner’s Office (ICO) on individuals’ rights under the General Data Protection Regulation. ​ If you would like to exercise any of those rights, please: • email, call or write to us—see below: ‘How to contact us’; and • let us have enough information to identify you (eg your full name, address and customer or matter reference number); • let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill); and • let us know what right you want to exercise and the information to which your request relates. Keeping your personal information secure Keeping your personal information secure We have appropriate security measures to prevent personal information from being accidentally lost, or used or accessed unlawfully. We limit access to your personal information to those who have a genuine business need to access it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so. If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org . Get Safe Online is supported by HM Government and leading businesses. We hope that we can resolve any query or concern you may raise about our use of your information. The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live or where any alleged infringement of data protection laws occurred. The supervisory authority in the UK is the Information Commissioner who may be contacted at https://ico.org.uk/concerns or telephone: 0303 123 1113. Changes to this privacy policy This privacy notice was published in May 2019. We may change this privacy notice from time to time — when we do, we will inform you by updating the privacy policy on our website. How to complain How to contact us Please contact us by post, email or telephone if you have any questions about this privacy policy or the information we hold about you. Our contact details are shown below: ​ Michael Strange 20-22 Wenlock Road, London, N1 7GU michael.strange@funding-365.com 0203 950 528020-22

  • Funding 365 Increases Maximum Loan Term to 18 Months

    Funding 365 Increases Maximum Loan Term to 18 Months Fast bridging lender Funding 365 has today announced the extension of their maximum loan term from 12 to 18 months, in response to demand from their broker partners. This increased loan term will apply to all of their bridging products with the exception of their Short Lease Bridge, which will remain at 12 months. This announcement comes just one month after Funding 365’s decision to officially increase their maximum loan size to £10million, and is part of their move to broaden their offering. Funding 365 Marketing Director, Laura Kendall comments, “At Funding 365 we’re always listening to our broker partners and striving to find new solutions to meet their clients’ needs. We identified longer loans as something that was being requested with increasing frequency. We pride ourselves on being extremely competitive, and with super low rates (from 0.65%pcm for residential and 0.75%pcm up to 70% LTV for commercial properties), plus now loans up to £10million for 18 months, we envisage that 2018 will continue to be a very busy year!”

  • Development finance on a plot of land

    CONSTRUCTION OF 6 HOUSES CASE STUDY £910,000 0.93% PM 44% LTV / 60% LTGDV / 79% LTC The brief Our solution Underwriter quote We discussed the case at length with the client and crafted a 15-month loan, complete with drawdowns totaling £775,000. This solution fit their needs perfectly and allowed them to begin work right away. Our client owned a plot of land in Bury St. Edmunds with planning permission to construct 6 semi-detached houses. They were in need of a facility that would allow them the time and resources to complete the project to a high standard. It's really satisfying to see our products used to expand the housing opportunities in areas outside of London. In this case, we're delivering 6 fantastic living spaces to a great part of the country. BACK TO PROJECTS BACK TO PROJECTS

  • Funding 365 added to Bridging Loan Directory

    Funding 365 added to Bridging Loan Directory Funding 365 has this week become the latest bridging finance provider to join Bridging Loan Directory. Established in 2013 by ex-investment bankers, Funding 365 is the fast-growing lender with integrity who’s shaking up the bridging industry. Valued by its broker partners for its honest, highly-competitive products, friendly service and unparalleled processing speed, Funding 365 provides 3 to 12 month bridging loans secured against residential investment and commercial properties across England and Wales. Interest rates start at just 0.65% per month for residential properties and 0.99% for commercial properties, with no mortgage acceptance fees, exit fees or early repayment fees. Visit www.bridgingloandirectory.co.uk to find out more. Funding 365 Marketing Director, Laura Kendall comments, “Funding 365 had a hugely successful 2015 and we’re confident that the added exposure from Bridging Loan Directory will help us grow our market share even further in 2016. We look forward to developing relationships with even more brokers who believe that getting fair, competitive loans for their bridging clients is their top priority.”

  • Funding 365 delivers Light Development Loans from 0.74 pcm with No Exit Fee

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

  • Funding 365 expands team with new Underwriter

    Funding 365 expands team with new Underwriter Bridging lender Funding 365 today welcomes another Underwriter to its team to enable it to continue providing its fast, bespoke service despite a huge increase in enquiries in 2016. Bridging lender Funding 365 today welcomes another Underwriter to its team to enable it to continue providing its fast, bespoke service despite a huge increase in enquiries in 2016. Calum Waite is a Business Economics graduate with a unique combination of experience in mortgage underwriting, the building trade and property refurbishment. Previously Calum worked at Gopher Money where his responsibilities included managing all property valuations and improving servicing operations. Calum comments,“I’m thrilled to be joining Funding 365’s underwriting team and to assist in its growth. It’s really exciting to be part of such a dynamic company in this fast paced industry.” Funding 365 Managing Director, Mike Strange comments,“Calum will add further depth to our underwriting team which will ensure that our high standards of service are maintained for our broker partners.”

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