2nd Charge Secured Loans Commercial Loans Bridging Loans THIS INFORMATION IS FOR THE USE OF MORTGAGE INTERMEDIARIES AND OTHER PROFESSIONALS ONLY. INFORMATION PROVIDED IS CORRECT AT THE TIME OF PRODUCING THIS GUIDE. ALL ENQUIRIES ARE SUBJECT TO A FULL UNDERWRITE BEFORE ANY OFFERS ARE MADE.
2nd Charge Secured Loans Prime 65% 7.9 emp/s-emp 20,000 100,000 0 in 36 0 0 195 + 28 days notice 65% 8.22 employed 20,000 100,00 0 in 12 0 0 upto 2 mths interest 70% 8.7 emp/s-emp 20,000 100,000 0 in 36 0 0 195 + 28 days notice 75% 10.884 self -employed 10,000 60,000 0 in 12 0 0 upto 2 mths interest 75% 10.95-11.5 emp/s-emp 3,000 500,000 0 in 12 0 in 24 0 in 24 upto 2 mths interest 85% 9.324 to 12.228 employed 7,500 100,000 0 in 12 0 0 upto 2 mths interest 85% 8.9 to 15.9 employed 5,000 75,000 0 in 24 0 0 195 + 28 days notice Minor Adverse upto 75% 11.9 to 16.9 employed 5,000 50,000 1 in 12, 0 in last 3 1 in 24 1 in 24 195 + 28 days notice 70% 11.65 to 11.95 emp/s-emp 3,000 50,000 2 in 12, 0 in last 3 3 in 24, 0 in last 3 3 in 24, 0 in last 3 upto 2 mths interest 65% 11.65 to 11.95 emp/s-emp 3,000 45,000 2 in 12, 0 in last 3 3 in 24, 0 in last 3 3 in 24, 0 in last 3 upto 2 mths interest 60% 11.65 to 11.95 emp/s-emp 3,000 35,000 2 in 12, 0 in last 3 3 in 24, 0 in last 3 3 in 24, 0 in last 3 upto 2 mths interest Light Adverse 61% 12.9 employed 5,000 50,000 3 in 12, 1 in last 3 3 in 12, 0 in last 3 3 in 12, 0 in last 3 195 + 28 days notice 70% 13.9 employed 5,000 40,000 3 in 12, 1 in last 3 3 in 12, 0 in last 3 3 in 12, 0 in last 3 195 + 28 days notice 65% 12.99 to 13.75 emp/s-emp 3,000 50,000 3 in 12, 1 in last 3 4 in 24, 1 in last 3 4 in 24, 1 in last 3 upto 2 mths interest 60% 12.99 to 13.75 emp/s-emp 3,000 35,000 3 in 12, 1 in last 3 4 in 24, 1 in last 3 4 in 24, 1 in last 3 upto 2 mths interest Heavy Adverse 60% 14.95 emp/s-emp 3,000 30,000 4 in 12, 2 in last 6 2 in 6, 6 in last 24 2 in 6, 6 in last 24 upto 2 mths interest 55% 14.95 emp/s-emp 3,000 25,000 unlimited unlimited unlimited upto 2 mths interest
BTL / Semi Commercial 1st & 2nd charge LTV Annual rate Min loan Max loan Arrears Defaults CCJ's charge type ERC's 65% 10.90% 3,000 50,000 0 in 12 ignored over 2yrs ignored over 2yrs 2nd charge refer to underwriter 75% 10.90% 3,000 200,000 0 in 12 ignored over 2yrs ignored over 2yrs 1st charge refer to underwriter Commercial Finance LTV Annual rate Min loan Max loan Arrears Defaults CCJ's property type ERC's 75% 2.5% to 4% 10,000 1,000,000 0 in 36 none none Refer to underwiter refer to underwriter 75% 4.85 to 5.65% 50,000 750,000 none in 12 none none Semi Commercial refer to underwriter 75% 5.25 to 5.95% 50,000 750,000 none in 12 none none Full Commercial refer to underwriter 75% 4.15 to 4.75% 50,000 750,000 none in 12 none none Residential refer to underwriter 70% 4.15 to 4.75% 50,000 750,000 none in 12 none none HMO's & multi lets refer to underwriter 70% 14.9 26,000 50,000 0 in 12 ignored over 3yrs ignored over 3yrs All Types refer to underwriter 65% 15.9 26,000 50,000 3 (0 in 6) up to 3k up to 3k All Types refer to underwriter Bridging Finance LTV Monthly rate Min loan Max loan Facility fee Admin Fee Legal Fee Term Exit fee Charge Type 80% 1.30% 100,000 6,000,000 2.00% none none 1 to 24 months none 1st 75% 0.85 to 1.20% 50,000 no max 2.00% none none 1 to 18 months none 1st 75% 0.95% to 1.20% 30,000 no max 1.00% 495 495 1 to 12 months none 1st 70% from 0.85% 50,000 25,000,000 2.00% none none 1 to 12 months none 1st 65% 11.99% 75,000 3,000,000 3.00% none none 2 to 3 years 6%,5%,4% 2nd RATE Min loan Max loan Exit Fee Facility fee Term Asset Type LTV 3.99 1,000 9,999 none 2.50% 1mth to 12mths Jewellery & Gold 70% 2.99 10,000 99,999 none 2.50% 1mth to 12mths Luxury Watches 70% 2.49 100,000 1,000,000 none 2.50% 1mth to 12mths Fine Art & Antiques 50% Prestige cars & Yachts 50%
General Criteria for all Products Send us your enquiry Secured Loans Employed up to 85% Self employed up to 85% Accountants reference only required Defaults, CCJ's, Mortgage arrears accepted more favourable income calculations Max age 81 at end of term Loans for Business purposes available APR from 7.9% 30 year term available Bank statements accepted as proof of income for sole traders Commercial Loans Leases with less than 5 years FTB Investors accepted Owner occupier not required Interest only available 75% max LTV Rates from 2% Land purchases Bridging Loans Lending for Tax Bills Up to 85% closed bridge 100% with 2nd property No exit fees Rates from 0.85% Lending against luxury items other than property Quick turn around times For Asset rich individuals Can resolve cash flow problems Can be used as Bridging up to 75% LTV @ Fax us Download an enquiry form online and fax the completed form to 0844 567 6409 Email us Scan and email us your completed enquiry form to enquiries@sl-cs.co.uk Already have a fact find completed? Simply email or fax us your fact finds and we will do the rest Prefer a one to one personal service? Call us on 0208 343 9690 www.sl-cs.co.uk