EASY PEASY PRODUCTS.

We know you’re busy, so we’ve made it easier to get the information you need about our straightforward products. Select the product range you need and off you go.
What's New

What's New

New products for more residential options

1-year fixed rates launched

  • Supporting customers who want the comfort of short-term fixed payments
  • Rates from 5.44% with a 1% fee


Lifetime tracker launched

  • Ideal for customers who want more freedom than a fixed rate
  • Rates from 6.79% (BBR + 1.54%) featuring different fee options, with or without ERCs


Adverse accepted on both products tier 0 - 4, up to 85% LTV.

What's New

What's New

New buy to let products

Up to 80% LTV products

  • 2 and 5-year fixed rates now from 6.04%

Relaunched Tier 2 and Tier 3 products

  • Supporting landlords with adverse credit profiles
  • 2 and 5-year fixed rates from 5.64%

Step 1: Contact

Make sure you are registered with us before you place your first case.

Step 2: Application

Review the products and select the most suitable for your customer based on the planned improvement works. Then complete our application pack and return it to us.

If you’ve selected an energy efficiency exit product, you’ll need to provide an Energy Performance Certificate (EPC) for the property.

Step 3:  Initial assessment

We’ll key the application, saving you time. We’ll make an assessment of the case, issue an illustration and let you know of any extra information we need. 

Step 4: Valuation

If your customer’s happy, pay the valuation fee and we’ll instruct inspection. We give the surety of an exit providing there’s no change in circumstances and the property meets the expected post works valuation.

Step 5: Offers

We’ll issue two offers; one for bridging finance and one for the buy to let exit. The bridging offer is valid for 3 months and the buy to let offer for 6 months from the date of the initial valuation.

Step 6: Bridge completes

Funds are released and works on the property can begin. Works must be completed within the buy to let offer validity period.

Step 7: Re-inspection

Get in touch when the property’s ready to be inspected. For standard refurbishment exits, no additional fees are payable.

For energy efficiency or EPC C+ exits, you’ll need to provide a new EPC for the property.

For energy efficiency exits, this must show an increase in the Standard Assessment Procedure (SAP) score. For EPC C+ exits, it must show a rating of C or above.

Step 8: Completion

If the valuation is returned as expected and there are no changes the case will complete on the chosen buy to let exit and the bridging finance will be repaid. 

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Telephone 020 3839 9998
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Telephone 01277 508 950
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Telephone 01792 277 555
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Telephone 0345 223 4447
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Telephone 0333 121 4080
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Telephone 0117 313 5292
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Telephone 01827 301070
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Telephone 01276 601 041
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Telephone 01204 472000
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Telephone 01202 850 830
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Telephone 01489 346 788
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Telephone 0208 144 3102
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Telephone 0845 155 0131
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Telephone 0116 464 5544
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We work with conveyancers who have a thorough understanding of the speed and service requirements for refurbishment buy to let transactions and are available to act on both the bridging loan and buy to let mortgage. The following conveyancers may be able to offer a discount on fees, please contact them for further information.

England and Wales
Blacks Solicitors LLP 0113 207 0000 www.lawblacks.com City Point, 29 King Street, Leeds, LS1 2HL
BTMK Solicitors Ltd 0170 234 6677 www.btmk.co.uk 100 Alexandra Road, Southend on Sea, Essex SS1 1HQ
Goldsmith Williams-Gwlegal 0345 373 3737 gw.legal 4th Floor, 20 Chapel Street, Liverpool, L3 9GW
Gordons Property Lawyers 0162 830 8380 www.gplawyers.co.uk SC House, Vanwall Road, Maidenhead, Berkshire, SL6 4UB
JMW 0345 872 6666 www.jmw.co.uk 1 Byrom Place, Manchester, M3 3HG
Lightfoots 0184 421 2305 www.lightfoots.co.uk 1-3 High Street, Thame, OX9 2BX
Scotland
Aberdein Considine 0333 006 6113 www.acandco.com 5-7 Bon Accord Crescent, Aberdeen, AB11 6DN

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