Laurence Lait

Intelligent Loans

Location:

The Maltings
East Tyndall Street
CF24 5EA
Cardiff
Wales

Laurence Lait

Intelligent Loans

 What we offer here at Intelligent loans:

  • Residential and commercial bridging finance
  • Residential refurbishment finance
  • HMO funding up to 85% LTV
  • Development funding
  • Buy to Let purchases and re-mortgages
  • Land funding
  • Commercial Mortgages
  • Luxury asset finance (watches, paintings & cars etc…)
  • Unsecured business loans

BTL’s:

  • Loans up to £15m available
  • Rates starting from 2.99% per Annum
  • Terms from 2-35 years
  • 75% LTV
  • First Time landlords
  • 1st and 2nd charges available
  • Can accept adverse
  • Can lend to British nationals living abroad
  • HMO products available from 3.45% per Annum

Ltd Company BTL:

  • Loans up to £2m available
  • Rates starting from 2.99% per Annum
  • Terms from 2-35 years
  • 75% LTV
  • 1st and 2nd charges available
  • Can accept adverse
  • Foreign nationals accepted

Bridging Loans:

  • Loans up to £50m available (minimum £10k)
  • Rates starting from 0.49% per month (can be used for refurb)
  • Regulated terms from 1-12 months
  • Unregulated terms from 1-24 months
  • No exit penalties available
  • LTV up to 80% OMV (typically 75%)
  • 1st, 2nd and 3rd charges available
  • Can accept unlimited adverse (Valuation only products)
  • Foreign nationals accepted

Commercial Mortgages:

  • Loans up to £15 million
  • Rates from 3.54%
  • Terms from 3-25 years
  • Up to 75% OMV

Development Finance:

 

  • Rates between 6.5% - 9% depending on risk profile of the deal
  • 70% NET of Purchase and 100% Build Costs – 0.95% pm (experienced)
  • 50% land purchase and 75% build costs – 1.1% pm
  • No early repayment fee /exit fee with most lenders
  • If land is already owned, we have lenders who fund 100% of the build cost in stages

What we do...

  • Commercial mortgages

  • First time buyer mortgages

  • House move or re-mortgage

  • buy to let mortgages

Get in touch with one of our team today...

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