| Sector | Maximum LTV% | Special Criteria | Interest Rates | Fees |
| Owner occupied (industrial units, offices, retail shops, professional practices, sub-post offices, private schools etc.) | 75% | Suitably experienced applicants(s) | Variable and Fixed Rates are available and are subject to negotiation |
Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Commercial investment properties | 75% | Previous experience of managing investment property | Variable and Fixed Rates are available and are subject to negotiation | Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Registered nursing homes / care homes / children's day nurseries | 75% of MV1 / going concern valuation (subject to not exceeding 100% of MV2) | Minimum 15 beds and suitably experienced applicant(s) | Variable and Fixed Rates are available and are subject to negotiation | Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Hotels / guest houses | 75% of MV1 / going concern valuation (subject to not exceeding 100% of MV3 or alternative use value) | Evidence of current / previous proprietorship required | Variable and Fixed Rates are available and are subject to negotiation | Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Public houses / Restaurants | 70% of MV1 / going concern valuation (subject to not exceeding 100% of MV3 or alternative use value) | Re-mortgages only. Evidence of current / previous proprietorship required | Variable and Fixed Rates are available and are subject to negotiation | Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Pension schemes | 75% | Self invested/self-administered | Variable and Fixed Rates are available and are subject to negotiation | Min 1% arrangement fee, negotiable, subject to a minimum of £300 solicitors fee
Valuation fee
|
| Housing Associations | Typical asset cover of 135% EUV-SH | For further information please call 01733 372425 | Conventional mortgages at negotiable margins over LIBOR. Fixed rates are available |
1% arrangement fee, negotiable valuation fee.
Solicitors fee
|