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Residential Owner-Occupier Loans

First charge loans for a period of 3 to 12 months secured on owner-occupied houses and flats.

Loans to owner-occupiers are regulated by the Financial Conduct Authority (FCA) and Alternative Bridging (Cheval) is an approved regulated lender.

Residential Owner-Occupier - Lending Terms and Criteria
Security
A

First Charge

B

First Charge

Loan Term
A

3 - 12 months

B

3 - 12 months

Minimum Loan
A

£250,000

B

£150,000

Maximum Loan
A

£1,000,000

B

£2,000,000

LTV up to
A

50%

B

70%

Interest From
A

0.75% p.m

B

0.85% p.m

Available For
A and B

Purchase, refinance, working capital and equity release

Secured On
A and B

Owner-occupied houses and flats, including regulated loans

Available To
A and B

Individuals & partnerships
UK Limited companies and Limited Liability Partnerships (LLPs)

Excluded Properties
A and B

Non-conforming, remote or unusual properties
Ex-local authority high rise flats
Dilapidated properties (except for refurbishment)

Download the forms
Our application forms can be completed online or printed out. Simply download the application form. Save it onto your desktop. Open and complete from your desktop. We want to process your application without delay, so please provide all the information required. If you have any questions or trouble completing the forms, please call us on 020 8349 5190.

Residential
Owner-Occupier
Loan Form

Third Party
Authorisation
Form

Schedule of
Tenancies

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