LIGHT DEVELOPMENT LOAN INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 From 0.79% up to 65% LTV From 0.84% up to 75% LTV 1 LIGHT REFURBISHMENT LOAN USES FEES & CHARGES Loft conversions Internal decoration and refurbishment Property conversion of residential to HMO Arrangement fee: 2% Broker commission: From 1.5% (taken from the arrangement fee) Exit fee: None Early Repayment Charge: None (interest rebated on a daily basis for loans repaid after the 3rd month) Legal fees: At market rate, provided upon application 4 Valuation fee: At market rate, provided upon application 3 Construction of one story extensions INTEREST RATE From 0.59% up to 60% LTV From 0.69% up to 75% LTV Interest can be paid monthly (in full or in part) or retained upfront LOAN SIZES £100,000 to £10,000,000 Larger loans considered upon application LOCATIONS Across England and Wales LOAN TERMS 3 to 24 months KEY INFORMATION Swipe across for key product information Property with adverse environmental conditions Agricultural properties Removal of load bearing walls Properties in England and Wales Adverse credit history considered UK residents and limited companies This does not constitute an offer of financing. Heads of Terms and Loan Agreements will be provided by Funding 365 Limited on a case-by-case basis. Funding 365 Limited reserves the right to amend, suspend or terminate this product at any time and without notice. YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Owner occupied properties PROHIBITED USES DEVELOPER INFORMATION 1. Reductions in interest rates are available for larger loans on a case by case basis. Pricing indicated for retained interest loan only. Gross LTV is calculated using the gross loan amount divided by the lower of the purchase price and valuation. Valuation is typically the OMV, although other measures may be used on a case-by-case basis. Higher LTVs are available with the provision of additional security (first charge basis). | 2. Smaller and larger loans considered on application. Up to 2 further advances. Minimum tranche size applies. | 3. To be paid upfront. | 4. Legal fees will be deducted from the loan amount. Your lawyer will be required to provide our lawyer with an upfront undertaking to pay all legal fees in full. | First charge unregulated loans INTEREST RATES LOAN SIZES LOAN TERMS LOCATIONS 3 to 24 months Across England and Wales £200,000 to £5,000,000 Cost of works cannot exceed 40% of the day one market value ​ 2 From 0.74% 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) DOWNLOAD PDF PRODUCT SHEET LIGHT DEVELOPMENT LOAN From 0.74% pm up to 65% LTV (day one) From 0.79% pm up to 70% LTV (day one) From 0.84% pm up to 75% LTV (day one) £200,000 to £5 million loan size Up to 24 months loan term Example uses: Loft conversion Internal decoration and refurbishment Property conversion to residential/HMO Construction of one story extensions Permitted securities: Unregulated residential properties HMOs Buy to lets Student accommodation Holiday lets with no title restrictions Across England and Wales

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 secures £200m funding facility Funding 365 has completed an additional funding line of over £200m with a global investment bank. The new facility is aimed to boost Funding 365’s lending capabilities alongside its other institutional lines and in-house funds across unregulated residential, semi-commercial, and refurbishment bridging loans. The bridging and development lender will retain its principal-led funding model, enabling it to continue underwriting in-house. Mike Strange, director at funding 365 comments (pictured above), commented: “Our new facility will allow us to significantly readjust our interest rates across our residential and refurbishment products — watch this space.”

Funding 365 and Adapt complete £3m of complex bridging loans this month Fast bridging lender Funding 365 and award winning short term finance broker. Adapt have together provided borrowers with bridging solutions worth over £3million in less than 4 weeks. Funding 365 have been providing Adapts clients with bridging loans since late 2015 and their relationship is forged through a shared focus on always delivering the best possible solution for the borrower. One of the bridging loans involved both first and second charges secured against a commercial property and strict timings, yet the borrower received a rate of just 0.75% per month. Another loan involved a portfolio of 9 BTL properties in London worth £3.1 million. Funding 365 Marketing Director, Laura Kendall explains,Our working relationship with Adapt feels so natural as they share our core values and our nimble way of working. Ultimately it benefits the borrower when their broker and lender work together to provide the best financial solution in a seamless, pain-free process. Adapt MD, Jordan McBriar adds, Yet again, great work from the whole team at Funding 365, kickstarted with a common sense approach and thorough packaging from Adapt.

We established Funding 365 in 2013 with a simple objective - to deliver affordable short term property finance with no delays, complications or hidden costs. ​ Our highly experienced, hands-on directors previously worked at investment banks such as Goldman Sachs and Barclays Capital where they established, managed and provided funding solutions to UK mortgage lenders. In 2016 we launched the Funding 365 graduate scheme to bring bright talent into our industry and many members of our team joined us in this way. ​ Unlike other bridging lenders, our set up is not focused around a sales team but rather our mandated underwriters. They manage each case from initial enquiry to completion (and beyond) for an outstanding, seamless and certain experience. This approach has earned us a number of industry awards, including most recently the Business Moneyfacts ‘Best Service from a Bridging Finance Provider’. TO EXTRAORDINARY BRIDGING TO EXTRAORDINARY BRIDGING Laura Kendall Marketing Director Calum Waite Head of Underwriting Paul Weitzkorn Director Michael Strange Managing Director Krisha Karunananthan Senior Underwriter Jon Brooks Senior Credit Officer Allegra Sykes Senior Relationship Manager Katie Spitz Senior Underwriter CONTACT US Nick Hogan Underwriter Jamie Chan Relationship Manager Morgan Henry Junior Underwriter MEET THE TEAM ABOUT US AN AWARD-WINNING DIFFERENCE TO EXTRAORDINARY BRIDGING Michael Strange Managing Director Paul Weitzkorn Director Laura Kendall Marketing Director Calum Waite Head of Underwriting Jon Brooks Senior Credit Officer Allegra Sykes Senior Relationship Manager Krisha Karunananthan Senior Underwriter Katie Spitz Senior Underwriter Nick Hogan Underwriter Jamie Chan Relationship Manager CONTACT US Morgan Henry Junior Underwriter

Funding 365 completes £8.5m bridging loan in just 3 working days Fast bridging lender Funding 365 has completed an £8.5m bridging loan within 3 working days to save a borrower’s buy to let portfolio from being sold at auction. The borrower needed to re-finance very quickly as their high street lender had appointed an LPA receiver following a dispute and a number of its properties were due to be sold within days. The loan, which was brokered by LINK Capital UK, was supported by security over a portfolio of 16 commercial and residential properties. Known for its ability to execute complicated bridging loans very quickly, Funding 365 previously completed a £6.2m semi-commercial bridging loan within just 1 working day of agreeing terms with the borrower. Funding 365 Managing Director, Mike Strange comments,”We are very pleased that we were able to help the borrower retain ownership of their property portfolio and allow them the time to re-finance with a term mortgage. This is just another example of the quick, tailored service that our broker partners have come to appreciate from us. Credit must equally go to the team at LINK Capital UK and to our solicitors who worked above and beyond to complete this case within such tight time constraints.” LINK Capital UK Managing Director, Theo Kemp comments, “As a professional finance intermediary we are always conscious of those lenders that say they can deliver but can’t as ‘computer says no’ or credit committee declines the case at the nth hour. Funding 365 is unprecedented in its professionalism, speed and integrity - delivering what the customer requires on time and at highly competitive terms - especially in this situation with the borrower being in receivership. Mike Strange and Eddie Boakye worked extremely hard with us and the customer to deliver a complex solution so quickly."

£1.9 MILLION 65% LTV 0.72% PER MONTH The brief Our solution Underwriter quote We took time to understand the nature of the client's credit issues and developed a 24 month loan accordingly. This was designed to give the client time to resolve all issues and exit onto a high-street BTL loan. We also built additional funds into the loan which allowed the client to pay back private investors. The client came to us in need of a loan to refinance another lender. The property, located in London, England, had just been converted into a fully tenanted ground floor shop and 4 flats above. Credit issues made it impossible to secure a high street loan at that time so we were enlisted to provide a temporary bridging solution. This was a really rewarding case to complete. The client, through no real fault of their own, found themselves compromised. Rescuing them from extension charges - and at a reasonable rate - really reinforces the important role that bridging finance plays in the property market. BACK TO PROJECTS REFINANCE: SEMI-COMMERCIAL PROPERTY CASE STUDY

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

The brief Our solution Underwriter quote Our team moved quickly to assess the liquidity of the assets and underwrite a bespoke solution. We delivered a 75% LTV solution at a rate of 0.69% per month for 9 months. Our speedy turnaround ensured that the client avoided costly extension charges. The client had an outstanding debt with a different lender over 11 newly constructed houses in Macclesfield, England. With the end of their loan term looming, the borrower needed to secure additional time to discharge planning conditions, complete the landscaping and sell the properties. We love having the opportunity to support ambitious property developers that 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 £2.1 MILLION 75% LTV 0.69% PER MONTH REFINANCE: 11 NEWLY CONSTRUCTED HOUSES CASE STUDY

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

The brief Our solution Underwriter quote The lack of planning permission required us to take a holistic view of the project. By scoping out similar conversion projects on the same road and confirming the property's strength as a commercial asset, we were able to deliver a competitive 12 month solution. The client was in need of a bridging loan to purchase a vacant office in London, England, while planning permission was secured to convert it into a residential dwelling. The borrower was extremely communicative throughout the underwriting process, which really suits our hands-on, bespoke way of working. It made for a really swift completion and allowed us to execute the loan without delay. BACK TO PROJECTS £143,000 65% LTV 0.72% PER MONTH PURCHASE: VACANT OFFICE UNIT CASE STUDY

Funding 365 completes short lease bridging loan in just 3 days Funding 365 has completed yet another bridging loan in just 3 days, this time to save the purchase of a property with only 37 years remaining on the lease. The loan, which was introduced by specialist property finance broker Top 10 Finance, was required urgently by the borrower to complete the auction purchase of a flat in North West London. Given the time constraints, Funding 365 waived the valuation on this occasion. Funding 365’s Short Lease bridging product has been designed to fill a gap in the market, for properties with 10 - 70 years remaining on the lease. Interest rates for this product start at 0.99%pcm, up to 70% LTV (100% with additional security). Funding 365 Director, Paul Weitzkorn comments, ”Funding 365 is known for its speed and service, but in bridging finance no-one operates in a silo and we couldn’t work at the speed that we do without our exceptional partners; our lawyers, surveyors and brokers. On this deal it’s to our lawyers’ credit that the client’s lawyer commented, “absolutely brilliant… to do this in three days is just incredible”. Top 10 Finance Director, Zara McDermott adds, “I’ve worked with Funding 365 on dozens of bridging deals over the years and I always have complete confidence that they will work with me to deliver for my clients, even on deals with such tight turnaround times.”