Yes. Thats right. 
Total of 85% Including fees and 12 month roll up interest. 
Interest at 1.09% per month. 
A recent case study in brief. 
Background - Experienced landlord with redevelopment experience and a fast team of people who can renovate quickly and with a good cost. 
No walls etc are being moved, the place needs a refurbishment, but not structurally. 
Property is a run down HMO - still profitable, but needing some TLC, bought at auction for £595,000. 
Property requires circa £40,000 for renovation. 
The deposit, plus bridge will buy this. 
After renovation, better paying tenants can be found and a full commercial valuation can be carried out to show value has been added and increased. 
New value is estimated at £845,000 with an estimated income from a full 18 room HMO at approximately £115,000pa. 
So once refinance has been done, the bridge is paid off and the surplus comes back to the owner. 
The owner then has pretty much the same money in the bank as previously, with the added bonus of an HMO income from this property. 
Please also remember, that all mortgages, including short term ones like bridges are specific to every person. Not a blanket approach. Especially when it comes to refurbishment type loans. 
Not bad really. 
If this type of loan would work for you to get moving with property development, get in touch. 
Austyn Johnson 
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