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At MS Lending Group we do not 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 does not fit with the below.
NO MINIMUM LOAN SIZE
MAX LOAN £3 MILLION
12 MONTHS AS STANDARD
18 MONTHS ON REQUEST
2ND CHARGES AVAILABLE
NO VALUATION
ON LOANS UP TO £500,000 ON RESIDENTIAL COMMERCIAL AND SEMI-COMMERCIAL PURCHASES.
DESKTOP VALUATION
ON LOANS UP TO £1 MILLION.
SUBJECT TO INTERNAL REVIEW
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.
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)
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Copy of current EPC rating required before completion, and updated EPC evidenced on redemption.
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Available on both purchases and cap raises.
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Residential properties only.
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Energy Performance products only available for loans paid back within the term agreed.
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 10 years unexpired.
Properties must not be currently occupied by a Housing Association, Registered Provider, Registered Charity or Community Interest Company (C.I.C).