PRODUCTS
AT MS LENDING GROUP WE DONT BELIEVE IN PUTTING PEOPLE OR PROPERTIES IN BOXES. EVERY CASE IS DIFFERENT, AND EVERY LOAN IS INDIVIDUALLY UNDERWRITTEN. PLEASE TREAT THE BELOW PURELY AS A GUIDE, AND SEND US ANY ENQUIRIES BIG OR SMALL, EVEN IF IT DOESNT FIT IN WITH THE BELOW.
NO MINIMUM LOAN SIZE
MAX LOAN £3 MILLION
12 MONTHS AS STANDARD
NO VALUATION UPTO £500K
ON RESIDENTIAL, COMMERCIAL & SEMI-COMMERCIAL PURCHASES
18 MONTHS ON REQUEST
2ND CHARGES AVAILABLE
Residential Purchases
Up to 75%
Residential Capital Raise
Up to 70%
HMO's
Up to 70%
Semi - Commercial
Up to 70%
Commercial (Excluding Land)
Up to 65%
Land
Up to 50%
RESPONSIVE, RELIABLE & FLEXIBLE
NO minimum Bridge Term • 2% arrangement fee • Exit fee - 1 month interest
ESG PRODUCTS
IN TODAY'S RAPIDLY CHANGING BUSINESS CLIMATE, ATTENTION TO ESG ISSUES ARE BECOMING CRITICAL TO LONG-TERM COMPETITIVE SUCCESS. SUSTAINABILITY AND ESG ARE NOW MORE IMPORTANT THAN EVER.
SOCIAL HOUSING & CHARITIES
Residential Purchases
Up to 85%
Commercial Purchases
Up to 75%
Signed agreement for lease must be evidenced before completion of the loan by either a Housing Association, Registered Provider, Registered Charity
or Community Interest Company (C.I.C).
All leases must have a minimum of 5 years unexpired.
Properties must not be currently occupied by a Housing Association, Registered Provider, Registered Charity or Community Interest Company (C.I.C).
ENERGY PERFORMANCE
On redemption MS Lending Group will refund the borrower 1% of the total gross loan amount if improvements have been made to the EPC rating during the term of our loan. (Minimum rating of an E required)
Copy of current EPC rating required before completion, and updated EPC evidenced on redemption.
Available on both purchases and cap raises.
Residential properties only.
Energy Performance products only available for loans paid back within the term agreed.