EVERYDAY RESIDENTIAL AND SEMI-COMMERCIAL BRIDGING

Catalyst Property Finance / Everyday Residential and Semi-commercial Bridging

Loans where no or minor changes proposed to security property such as cosmetic upgrade, modernisation, small structural works under permitted development

Lending Criteria Overview

Borrower Borrowers from 21 to 85 at end of term
Borrowers with good credit history. Adverse by referral
Borrower 3 year UK address history. Exceptions by referral
Individual or LTD Co/LLP (offshore LTD Co considered)
Loan Loan terms up to 24 months
Loans up to £5 million (higher considered by exception)
Interest serviced, blended or retained
Property Purchase or refinance
Light refurb (non-structural, no planning permission required)
Leases must be over 50 years
Fees No Early Repayment Charges
Facility fees: 0% – 2%
Procuration fees: 0% – 2%

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Monthly Interest Rates From

50% LTV 55% LTV 60% LTV 65% LTV 70% LTV 75% LTV 80% LTV
First Charge 0.55% 0.59% 0.65% 0.69% 0.75% 0.85% 0.95%
Second Charge 0.65% 0.69% 0.75% 0.79% 0.85% 0.95%

Monthly Interest Rates From

First Charge Second Charge
50% LTV 0.55% 0.65%
55% LTV 0.59% 0.69%
60% LTV 0.65% 0.75%
65% LTV 0.69% 0.79%
70% LTV 0.75% 0.85%
75% LTV 0.85% 0.95%
80% LTV 0.95%