How can we help you?

We lend on a 1st-charge basis only.

For a single applicant, we cannot accept first-time buyers. However, on a joint application, as long as one applicant is not a first-time buyer, we can accept this

No.

Borrowers do not need to be UK Citizens but must have been a UK resident and have been in the UK for 3 years, or have a permanent right to reside in the UK.

Our Regulated Bridge product is only available through intermediaries.

Our minimum age is 21. We do not have a maximum age limit where sale of existing property or proceeds of probate is the agreed repayment strategy.

If refinancing forms part of the agreed repayment strategy, a maximum age limit of 75 years old at the end of term will apply.

We will only accept security against property if it is your current or intended property. 

No. Our Regulated Bridging Loans are currently only available in England and Wales.

Our interest rates and our fees are based on the net loan amount. 

If the intended exit is to sell your existing property, then there will be no evidence of serviceability required, as income is rolled. 

If the exit is refinance, we will require evidence of income, which could include seeing payslips, bank statements and DIP from the exit lender.

If the intended exit is to sell your existing property, we do not have a minimum income requirement.

If exit is refinance, we require the income to be sufficient for the exit lender to provide the refinance. The income declared to the exit lender needs to be reflected.

Yes we will; through bank statements and the source of deposit.

We accept both separate and dual representation. If the client opts for dual representation, we will appoint a solicitor on our panel to act for both us and the client.

Yes, under the following circumstances if any of the deposit is gifted:

• Gifted deposits can only be accepted from a close relative, full details of whom must be disclosed

• The identification of the person(s) gifting the deposit must be satisfactorily established
• Appropriate deed of gift indemnity insurance will be required.

We offer a 1% procuration fee as standard.  

No. If you are charging your client a broker fee we will not collect it, nor will we be adding it to the loan. You will need to make your own arrangements to invoice your client.

Our full criteria is available in our product guide, which is available for download on any of our product pages.

After registering with the right information we will check your FCA number, then notify you when you have been given access.

You generate a DIP and ESIS by completing the necessary information in the portal, it will then be automatically submitted to our team.

You will be assigned a BDM who will contact you to discuss your application.

No, we do it after the FMA is signed.

Yes. Press save before exiting your application and it will keep all of your answers while you get any extra information you need.

Your assigned BDM will be on-hand to help with any questions.

The full mortgage application can be completed in the portal through the online form. It is submitted once it is signed by all applicants.

Docusign is a secure tool we use for you and your client to provide their signatures electronically, rather than being required to print off documents to sign them, scan them and then send them back to us.

You will be assigned a case manager and underwriter who will contact you to introduce themselves. They will be your point of contact throughout the underwriting process.

Our case manager and underwriter will be on-hand should you have any queries, and we will keep the application page on our portal up-to-date with what stage it is on.

No.