Q. How much can I borrow, and for how long?

  A. We regularly make loans of between £100,000 and £3,000,000. We can generally accomodate loans outside of this range with some additional effort. Loan terms are typically less than 6 months.

Q. What if I have a poor credit history?

  A. Our decision to make loans is driven entirely by the valuation of the property which is used to secure the loan. Your credit record, salary, CCJ's or other debts are not a factor in you obtaining a loan. However, we cannot typically make loans to bankrupt individuals or organizations.

Q. Can I only use the loan money for purchasing a home in the UK?

  A. Absolutely not - you can use the proceeds for ANYTHING that you want - so long as the loan is secured against property in the United Kingdom (England, Scotland, Wales or Northern Ireland)!

We regularly make loans that are used for the following purposes :-

• to buy a second home - including overseas off-plan deals,
• to buy a business,
• to buy a rental property,
• to make home improvements,
• for non-asset acquisitions,
• to smooth cash-flow difficulties.

Q. How long before I find out if you will make a loan offer?

  A. We attempt to give an indication of loan terms immediately upon receiving your request. It is possible for us to complete the entire process in 5 business days, and the majority of loans are made within 10 business days of the initial enquiry.

Q. Will you loan to an offshore company?

  A. Absolutely! We will make loans to individuals (including foreign nationals and those resident overseas), UK companies, offshore companies, limited partnerships, etc. All loans are considered as long as they are to be secured as first charge against UK property.

Q. Will you loan against an overseas property?

  A. No, we cannot. However, as long as the property used as loan security is in the UK, you are free to use the loan amount to fund the purchase of overseas property.

Examples of suitable loan security include:-

• Holiday Villas, or Residential investment properties
• Office buildings and Retail properties
• Industrial and semi-commercial units
• Leisure industry (bars, hotels, restaurants, nightclubs, sport centres)
• Farms and farm land
• Land (with and without planning) or Building Developments
• Speculative investment properties
• Leasehold properties