91看片

We use ClearBank as our clearing bank to help us make and receive payments to your 91看片 Savings account. This means that the ClearBank name may show when making a payment into your 91看片 Savings Account. To give you greater assurance that you are sending payments to the intended recipient e.g. from your nominated account to your 91看片s Savings account, ClearBank uses the Confirmation of Payee scheme which confirms the name of the recipient account.

We will send you an email with your User ID which you need to log in online. Once you are logged in go to your messages and you will see a new message with the title 鈥榊our new Account鈥�. This message includes an attachment with the information you need to make a deposit including your Account Number for your new account which you need to quote as the reference when setting up the payment.
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Please note:
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鈥� you can also quote your 9-digit application reference to fund your account
鈥� you can make a deposit before you receive your Secure Authentication Code

You can make deposits into your savings accounts using Faster Payments from your nominated account. All deposits must be in Pounds Sterling (拢). Deposits can be made up to the maximum account balance. Please refer to the relevant product summary box for full details of minimum and maximum deposit limits.
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Please make sure to include the following information when setting up a new payment:
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鈥� Your full name (first name and second name)
鈥� Our Account Number:聽00000025
鈥� Our Sort Code:聽04-09-41
鈥� Reference:聽Your 9-digit application reference or your Account Number (e.g. XXX1234567XXX)

Power of Attorney applications can鈥檛 be opened online and must be completed using a paper form with supporting documents. Please call us on 0808 164 2111 (Mon鈥揊ri, 9am鈥�5pm, excl. bank holidays) for guidance.

We appreciate that savings needs and plans sometimes change. If you decide, within 14 days of opening your account, that it is not right for you, we will happily return your savings as well as any interest you have earned. You can let us know this by logging into your account and sending us a secure message. Or you can call us on聽0808 164 2111,聽Monday 鈥� Friday 9.00am 鈥� 5.00pm (excluding bank holidays).

We鈥檒l ask for your name, address, date of birth, and nominated bank account. In some cases, we may also request employment details, occupation, industry, and income.

Yes, all 91看片 savings accounts can be opened in sole or joint names (no more than 2 account holders permitted)

You must be 18+, a UK resident for tax purposes, hold a UK current account in your name, and have a valid email and mobile number. We鈥檒l verify your identity electronically (documents may be requested if required).

You can change your nominated account by logging into your account online. Once you have done this a Secure Customer Authentication Code will be sent to you by post. When you receive the code, you will need to activate your nominated account by following the instructions provided.
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You will not be able to make withdrawals until the new nominated account has been authorised, however, your existing nominated account will remain active until this step has been completed.
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We will carry out electronic checks to ensure that the account is held in your name, if we cannot confirm this we will ask you to provide documents to prove that it is your account.

You can make deposits into your savings accounts using Faster Payments from your nominated account. All deposits must be in Pounds Sterling (拢). Deposits can be made up to the maximum account balance. Please refer to the relevant product summary box for full details of minimum and maximum deposit limits.
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Please make sure to include the following information when setting up a new payment:
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鈥� Your full name (first name and second name)
鈥� Our Account Number:聽00000025
鈥� Our Sort Code:聽04-09-41
鈥� Reference:聽Your 9-digit application reference or your Account Number (e.g. XXX1234567XXX)

When you first open your account or if you update your nominated account, we will send you a Secure Authentication Code by post. You will need to activate your nominated account by following the instructions provided. You will need to activate your nominated account before withdrawals can be made from your account. Please note you can still make deposits to your account before you receive your Secure Customer Authentication Code.

You can take money out of your savings account by logging into your savings account through our website.
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Please check when withdrawals are permitted from your account, as our fixed rate bonds and notice accounts have some restrictions. Full details of when and how many withdrawals can be made from your savings account are detailed in the Product Summary Box.

If you鈥檝e forgotten your password, simply click on the 鈥楩orgotten Password?鈥� link on the Log In page and follow the instructions.
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You鈥檒l need your Customer ID and your registered email address to hand. We will send you a link to your registered email address so you can reset your password online.
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We will ask you to confirm some security questions to make sure it鈥檚 you and once you have done this you will be able to continue to log in.
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If you have any trouble please call us on聽0808 164 2111聽and we will be happy to help.

You will need to make the first payment to your 91看片 savings account within 21 calendar days from your application date.

Log in and update your profile online.

Use your Customer ID, password, and memorable details via the 鈥淟og in鈥� button on our website.

Yes. Deposits in the easy access savings account are protected by the FSCS (Financial Services Compensation Scheme) up to 拢120,000 per person.

This account is suited to savers who want instant access to their money while still earning interest. It works well for emergency funds or short-term savings goals.

You can move money in or out by transferring from your nominated UK bank account, or by requesting withdrawals through 91看片鈥檚 online banking or mobile app.

Interest is variable and calculated daily on your balance, then paid monthly or annually depending on the account terms.

You open the account with an initial deposit, add money whenever you choose, and withdraw funds instantly when needed. Interest is earned on the balance for as long as your money stays in the account.

You can log into your account online anytime to see your balance and recent transactions.

If you鈥檝e forgotten your password, simply click on the 鈥楩orgotten Password?鈥� link on the Log In page and follow the instructions.
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You鈥檒l need your Customer ID and your registered email address to hand. We will send you a link to your registered email address so you can reset your password online.
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We will ask you to confirm some security questions to make sure it鈥檚 you and once you have done this you will be able to continue to log in.
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If you have any trouble please call us on聽0808 164 2111聽and we will be happy to help.

You must be 18+, a UK resident for tax purposes, hold a UK current account in your name, and have a valid email and mobile number. We鈥檒l verify your identity electronically (documents may be requested if required).

We will contact you by email or letter to notify you of any changes to the interest rate on your account. If we reduce the rate on your account, we will provide you will the following notice of the change taking effect –

120 Day Notice: 134 calendar days

Yes, your eligible deposits are protected up to 拢120,000 by the Financial Services Compensation Scheme (FSCS).

Yes. Deposits in the 65 day notice account are protected by the FSCS (Financial Services Compensation Scheme) up to 拢120,000 per person.

You must be 18 or over, a UK resident, and hold a UK bank account. The minimum deposit is 拢1,000 and the maximum balance is 拢100,000.

You can take money out of your savings account by logging into your savings account through our website.
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Please check when withdrawals are permitted from your account, as our fixed rate bonds and notice accounts have some restrictions. Full details of when and how many withdrawals can be made from your savings account are detailed in the Product Summary Box.

We will write to you at least 14 calendar days before your maturity date. At this time, we will provide you with details of other products that will be available to you when your savings account matures and what you need to do.
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If we do not hear from you, your maturity balance plus any interest will be transferred to our Easy Access savings account.

When you first open your account or if you update your nominated account, we will send you a Secure Authentication Code by post. You must activate your nominated account before withdrawals can be made. You can still make deposits before receiving your code.

No, all of our savings accounts are operated online.

Yes. 91看片 is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. You can confirm the full status of 91看片 on the Financial Services Register under reference number 850286.

A 65 day notice account is ideal for savers who want a higher rate of return than easy access accounts, while still maintaining some flexibility to access funds with advance planning.

Notice is given securely online or via the 91看片 app. Once the 65 day period has passed, your funds are automatically released to the nominated account.

You request a withdrawal through online banking or the 91看片 app. After 65 days hav

A 65 day notice account is a savings account that requires you to give 65 days鈥� notice before withdrawing funds. In return, it offers higher interest rates than instant access savings.

A notice account is a good fit if you want higher interest rates than easy access savings but still need flexibility compared to long fixed bonds. It works well for short-term goals where you can plan withdrawals in advance.

Interest is calculated daily on your balance and paid monthly or annually at the fixed rate set when you open the account.

Notice accounts are best for savers who want higher interest than easy access accounts while keeping more flexibility than fixed bonds. They work well for medium term savings goals where you can plan ahead for withdrawals.

No penalties apply if you follow the notice period. Early access is not permitted, so you must wait until the notice term has passed to receive your funds.

Withdrawals are requested securely online or through the 91看片 app. Once notice is given, your funds are released automatically to the nominated account after the selected notice period ends.

Notice accounts offer competitive fixed interest rates, which vary by term length. You must be 18 or over, a UK resident, and hold a UK bank account. The minimum deposit is 拢1,000, with a maximum of 拢100,000.

When you want to withdraw, you request your funds and they are released after your chosen notice period has passed. For example, with a 120 day account you receive your money 120 days after giving notice.

A notice account is a savings account where you must give advance notice before withdrawing funds. In return, you usually benefit from higher interest rates than easy access accounts.

You will need to make the first payment to your 91看片 savings account within 21 calendar days from your application date.

Log in and update your profile online.

Use your Customer ID, password, and memorable details via the 鈥淟og in鈥� button on our website.

We appreciate that savings needs and plans sometimes change. If you decide, within 14 days of opening your account, that it is not right for you, we will happily return your savings as well as any interest you have earned. You can let us know this by logging into your account and sending us a secure message. Or you can call us on聽0808 164 2111,聽Monday 鈥� Friday 9.00am 鈥� 5.00pm (excluding bank holidays).

We鈥檒l ask for your name, address, date of birth, and nominated bank account. In some cases, we may also request employment details, occupation, industry, and income.

Yes, all 91看片 savings accounts can be opened in sole or joint names (no more than 2 account holders permitted)

You must be 18+, a UK resident for tax purposes, hold a UK current account in your name, and have a valid email and mobile number. We鈥檒l verify your identity electronically (documents may be requested if required).

You can log into your account to view and print a statement of a Summary of Interest at any time. You will receive a statement annually on the anniversary of your account opening and on maturity.

You can log into your account online anytime to see your balance and recent transactions.

It鈥檚 suitable for savers who want the highest fixed returns and don鈥檛 need access to their money for five years, often used for long-term financial goals.

At maturity, your original deposit plus interest earned will be returned. You can choose to withdraw, reinvest, or move funds into another 91看片 savings product.

Yes. Withdrawals are not allowed before maturity, so funds should only be invested if you can commit for the full 5 years.

The rate is fixed at the start of the term. Interest can be paid monthly or annually, depending on your preference, and remains unchanged throughout the 5 years.

A 5 year fixed rate bond is a long-term savings account that locks your money for 60 months at a fixed interest rate, providing consistent growth and financial certainty.

It鈥檚 a good fit if you want higher rates than shorter-term bonds and can commit to locking funds for three years

Yes, your funds are locked until maturity. Withdrawals are not permitted during the 3-year term.

You can receive interest monthly or annually. Both options pay at th

You need at least 拢1,000 to open the account, with a maximum deposit of 拢100,000. You must be a UK resident aged 18+ with a UK current account.

Rates are fixed at the start of the term and interest is calculated on your deposit for the full 3 years, paid either monthly or annually depending on your choice.

A 3 year fixed rate bond is a savings account that locks your money for 36 months at a guaranteed rate, giving stable, predictable returns over the medium-to-long term.

It鈥檚 a good choice if you don鈥檛 need access to your money for two years and want a balance of higher returns than a 1-year bond with less commitment than 3鈥�5 year terms.

Yes. Savings with 91看片 are protected by the Financial Services Compensation Scheme (FSCS) up to 拢120,000 per person.

Interest is fixed for the full 2 years and can be paid monthly or annually, depending on your preference.

You鈥檒l need at least 拢1,000 to open the account, with a maximum balance of 拢100,000. Applicants must be UK residents aged 18 or over with a UK bank account.

A 2 year fixed rate bond is a savings account where your money is locked away for 24 months at a guaranteed rate, providing secure, predictable returns over the medium term.

It鈥檚 ideal if you鈥檙e saving toward a medium-term goal聽 –聽 like a holiday, home improvements, or building a safety buffer聽 –聽 and want a higher rate than shorter-term or easy access options.

Interest can be paid monthly or annually, depending on the option you choose when you open the account.

Funds are locked for 12 months. Withdrawals are not permitted before maturity, so only deposit money you won鈥檛 need during the term.

You鈥檒l need a minimum of 拢1,000 to open an account, with a maximum balance of 拢100,000.

It鈥檚 suitable for savers who don鈥檛 need access to their funds for a year and want a guaranteed return that鈥檚 higher than most easy access accounts.

A 1 year fixed rate bond is a savings account where your money is locked away for 12 months at a guaranteed interest rate, giving secure, predictable growth.

You can choose monthly interest payments or receive the full amount at maturity, both calculated at the agreed fixed rate.

You must be 18+, a UK resident, and hold a UK bank account. The minimum deposit is 拢1,000, with a maximum of 拢100,000. Applications are completed online.

Interest is calculated at a fixed rate for the whole term and paid either monthly or at maturity, giving you a predictable return.

It suits savers looking for short-term certainty and a fixed return, without needing regular access to their money during the 6-month term.

A 6 month fixed rate bond is a savings account where your money is locked away for half a year at a guaranteed interest rate. You know exactly what you鈥檒l earn at maturity.

Use your Customer ID, password, and memorable details via the 鈥淟og in鈥� button on our website.

We鈥檒l ask for your name, address, date of birth, and nominated bank account. In some cases, we may also request employment details, occupation, industry, and income.

Yes, all 91看片 savings accounts can be opened in sole or joint names (no more than 2 account holders permitted)

Interest is paid either monthly or at maturity, depending on the product you choose. Full details are shown before you apply.

Yes. All eligible deposits are protected up to 拢120,000 by the FSCS (Financial Services Compensation Scheme).

You can open a fixed rate bond with as little as 拢1,000, up to a maximum of 拢100,000 per account.

No. Withdrawals are not allowed before the maturity date. Make sure you’re comfortable locking your money away for the full term.

Fixed rate bond is a savings account where your money is locked away for a set term, earning a guaranteed interest rate for that period.

You must be 18+, a UK resident for tax purposes, hold a UK current account in your name, and have a valid email and mobile number. We鈥檒l verify your identity electronically (documents may be requested if required).

We will write to you at least 14 calendar days before your maturity date. At this time, we will provide you with details of other products that will be available to you when your savings account matures and what you need to do.
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If we do not hear from you, your maturity balance plus any interest will be transferred to our Easy Access savings account.

Security is paramount to our services. Access to the app is via biometric touch / face login or PIN entry. Your login method is uniquely linked to the mobile app on your device. This means only your login works on your app.
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We regularly test, update and validate our security to ensure we maintain a high grade of protection. We also use recognised and independent security experts to validate the security of our app.

Biometrics are biological measurements 鈥� or physical characteristics 鈥� that can be used to identify individuals, such as facial recognition or fingerprint scanning.
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Biometrics are available on various devices to allow you to easily log in to your app. The type of biometrics available depends on your device.

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Your available balance will show the balance in your account. Subject to your product terms and conditions, this is the amount of money you can withdraw.
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Please note, if you have pending transaction e.g. you have funds on notice for withdrawal 鈥� they will still be included in your available balance until the funds leave your account.

Pending transactions will be shown in the 鈥楳y Accounts鈥� page.

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Yes, our mobile app can be used for any 91看片 customer who holds a savings account with us. However, for security reason, only one account holder can register on the same device so each account holder must download and install the app on their own individual device to access their joint account.

The app is free to use, however, please note that your standard mobile network data charges will still apply.

The app offers the following services:

• View your account(s) summary
• Check your savings account balances and available funds
• See your recent transactions
• Withdraw funds to your nominated account if your account allows it
• Transfer funds between your 91看片 Savings accounts if your account allows it
• View pending transaction
• Apply notice (where applicable)
• Update your personal details 鈥� address, email address, mobile, work and home number
• Update Marketing Preferences
• View Statements
• Change your PIN
• Switch to Biometrics Settings instead of using your PIN
• Access our help page

Once you have successfully registered for the 91看片 mobile app, you can log in using the following methods, depending on the option you have selected.
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1) PIN 鈥� Enter the six-digit PIN you set up during registration
2) Biometrics 鈥� use fingerprint / facial recognition, depending on what you have set up for your device

You need to download our 91看片 app and have an online savings account open with 91看片 to be able to use our app.

Please note, the details you use for your online account such as Customer ID, password and memorable data are also used for the mobile app.
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To register to use the 91看片 app, please follow these simple instructions below:

1) Open the app on your device and confirm that you are an existing customer
2) Enter your usual 91看片 Customer ID and password you received when you opened your account online
3) Provide the requested information for your memorable details
4) Create a new 6-digit PIN that will be used for the app
5) You can choose to enable biometric logins if you prefer instead of a PIN for future logins
6) Review and accept to the app terms of use
7) You will then be able to access the app

You can download at the relevant app store or click the links below:
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鈥⒙犅�(for Android devices)
鈥⒙犅�(for iOS devices)

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You will need an online savings account with 91看片 to use our mobile app.
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A compatible mobile phone or tablet (iOS 11 and above, Android 7.1 and above).

Absolutely 鈥� we support lending to personal names, limited companies, trusts, and family partnerships.

Yes, we lend on residential, semi commercial, and mixed-use properties, offering flexibility for varied portfolios.

We provide loans up to 拢20 million, ideal for substantial property purchases and portfolio expansion.

We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.

Yes, our specialists provide guidance on structuring, growth, and maximising returns for sophisticated property portfolios.

Flexible options including 2, 3, or 5-year fixed rates, with up to 30-year repayment terms.

Experienced property investors with complex portfolios, limited companies, or multiple properties looking to grow investments.

Dedicated relationship management, tailored solutions, and expert advice to help you manage and grow your portfolio effectively.

We lend on standard residential properties, Houses of Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), semi-commercial and commercial properties. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Yes, we accommodate multiple shareholders and directors within limited companies for diverse investment strategies.

Absolutely, we include dividends and shareholder loans in affordability assessments for a comprehensive view. Each application is assessed on it’s own merits.

Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Yes. 91看片 considers offshore SPVs, trusts, and company structures, provided ownership and control can be clearly verified.

You鈥檒l need to provide company documents, director details, property and rental information so that we can assess the overall portfolio affordability and structure before approval.

It鈥檚 often chosen for easier portfolio management, and separating investment property from personal finances.

A special purpose vehicle (SPV) is a separate legal entity created specifically to hold and manage property investments, isolating risk and simplifying portfolio management.

A limited company is a business structure separate from its owners, offering limited liability for property investors.

We typically lend up to 75% of the property purchase price taking into account expected rental income and other factors. Each application is assessed on it鈥檚 individual requirements and our maximum loan amount is 拢20 million.

No, as rental calculations are based on the property itself rather than strict income requirements.

We offer up to 75% LTV, depending on property type and borrower profile.

We consider a wide range of residential and investment properties across the UK for all applicants.

Yes, we specialise in lending to clients new to the UK, even with minimal credit history.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Submit your details and property information, we verify income and structure, then complete underwriting and valuation before releasing funds.

Our products support expats and foreign nationals investing in UK property, with tailored guidance. Subject to due diligence requirements and a UK bank account is required.聽

It鈥檚 a buy-to-let mortgage tailored for non-UK residents or foreign nationals investing in UK property. Subject to due-diligence checks and a UK bank account is required. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Yes. 91看片 offers buy-to-let loans to foreign nationals and non-UK residents*, including those who have never lived or worked in the UK. We consider a wide range of international borrowers, subject to due diligence and a UK bank account is required.聽

*Excludes FATF blacklisted and sanctioned jurisdictions.

Dedicated relationship management, tailored solutions, and expert advice to help you manage and grow your portfolio effectively.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

A standard buy-to-let is usually let to one household under a single tenancy, while an HMO has multiple tenants on separate agreements in one dwelling. HMOs and MUFBs typically generate higher rental yields, but they also involve more complex management, licensing and finance solution.

While experience helps, it isn鈥檛 always mandatory. 91看片 will consider first-time HMO or MUFB investors (subject to a maximum of 6 bedrooms or units) if the project is strong and a clear management plan is in place.

Yes. Most houses of multiple occupation (HMOs) require a licence from the local authority, especially if the property is large or has five or more tenants. Multi-unit blocks may also need planning or building control sign-off. Compliance with local licensing rules is essential before funding is released.

Yes. We offer specialist buy-to-let loans for properties rented to multiple tenants from different households who share facilities such as kitchens or bathrooms. These loans are designed to reflect the higher rental yields and added complexities of HMO investments. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Yes. We finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing compliance.

We lend to a variety of structures including individuals, limited companies, and trusts subject to due diligence requirements.

A multi-unit freehold block (MUFB) is a single freehold property containing multiple self-contained units, each with its own facilities such as kitchen and bathroom.

A House in Multiple Occupation (HMO) is a property rented by at least three tenants from different households who share facilities such as kitchens or bathrooms.

Yes, we will lend on houses of multiple occupation and multi-unit blocks depending on the property and criteria.

Yes, with no limit on bedrooms, units, or overall portfolio size.

For limited companies and basic rate taxpayers, we apply a 125% rental coverage, for foreign nationals its 130% and 145% for higher rate tax payers . We also offer a top-slicing option for eligible borrowers to improve affordability.

Yes, we offer refinancing options that help landlords consolidate loans, improve cash flow, and fund further portfolio growth.

We offer loans up to 拢20 million across the entire portfolio, enabling large-scale investments or refinancing.

No, 91看片 does not impose any limits on the number of properties within a landlord鈥檚 portfolio.

Portfolio landlords are professional investors who own multiple rental properties, including individuals, partnerships, Limited Companies, and SPVs.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Yes, rental income from multiple tenants can be considered for affordability, provided it is supported by a valid tenancy agreement or assured shorthold tenancy (AST).

Yes. 91看片 considers offshore SPVs, trusts, and company structures, provided ownership and control can be clearly verified.

You鈥檒l usually need four or more mortgaged buy-to-let properties to be defined as a portfolio landlord. Applications are accepted from individuals, limited companies and SPVs, with experience and track record taken into account.

As part of the application, we review your portfolio as a whole, considering total rental income, loan-to-value and overall financial strength, not just individual properties.

Yes, with no limit on bedrooms, units, or overall portfolio size.

We typically lend up to 75% of the property purchase price taking into account expected rental income and other factors. Each application is assessed on it鈥檚 individual requirements and our maximum loan amount is 拢20 million.

A portfolio landlord is typically defined as having four or more mortgaged buy-to-let properties in their name or through a limited company.

Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.

We will consider a first-time landlord to top-slice, where surplus income is derived from other sources (such as salary, investments, or pensions) is considered to support affordability. However, each application is assessed on it’s own individual merits.

We lend on standard residential buy-to-let, HMOs, and MUFBs – however for HMOs & MUFB’s we limit to a maximum of 6 bedrooms or units respectively. Our flexible asset criteria means your client can start with the property that best fits their investment goals.

Yes. We accept joint applications from new landlords, including couples or business partners, whether applying personally or via a limited company.

Yes. We have no minimum income requirements as rental income is assessed on the expected rental of the property, making it easier to place cases for clients relying solely on rental income or family support.

Absolutely 鈥� our dedicated relationship managers guide first time landlords through the process, making it simple, clear, and efficient.

We use rental coverage calculations (125% for basic rate taxpayers and limited companies, 145% for higher-rate taxpayers or 130% for foreign nationals), ensuring affordability aligns with expected rental income.

Our straightforward criteria, no income requirements, and expert relationship managers give new investors the clarity and support they need.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

You can apply either direct to 91看片 or via a mortgage intermediary, provide personal and financial details, and supply property information of the property you wish to purchase. Subject to underwriting and a valuation, an offer of a mortgage is provided and funds are released on legal completion.

Typical criteria include up to 75% LTV on residential properties, rental coverage of 125鈥�145% depending on tax status, and loan terms up to 30 years. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

It鈥檚 a buy-to-let mortgage designed for those entering the rental market for the first time, with criteria and support tailored to new landlords. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Up to 75% for residential and 65% for commercial.

Dedicated relationship management, tailored solutions, and expert advice to help you manage and grow your portfolio effectively.

We can move fast – funding is typically available within days, depending on the complexity of the deal and the required due diligence.

A bridge can be used for developer exits which can be used when your development is near completion or finished, but you haven鈥檛 sold all the units, or your current loan term is ending. It鈥檚 ideal for reducing time pressure and giving you flexibility to sell your completed projects.

Loans are available from 拢500k to 拢20m, up to 75% LTV for residential and 65% for commercial, with terms of 3鈥�18 months.

We consider applications from individuals, companies, SPVs, LLPs and trusts with completed or nearly completed residential or mixed-use projects. A UK bank account is required.

Exit finance is tailored specifically for post-completion schemes. It usually carries lower rates than development finance and focuses on giving time to sell or refinance, rather than funding ongoing construction.

A development exit loan is a short-term facility used once a project is completed or nearly finished. It refinances existing development finance at a lower rate, giving developers time to sell units, improve cash flow, or move to longer-term funding.

Yes, equity release is often possible to fund your next project or strengthen cash flow.

A developer exit bridge is typically used when your scheme is nearing completion or your current facility is expiring, but sales are still in progress.

A short-term refinance solution that helps developers manage sales post-construction without pressure to sell quickly.

Residential, commercial, and mixed-use properties – including those requiring refurbishment or renovation.

A short-term loan designed to quickly fund auction property purchases, allowing buyers to meet tight completion deadlines.

You can request a decision in principle from our team ahead of bidding, giving you confidence and credibility when you go to auction.

Yes. Auction loans can often be refinanced into longer-term buy-to-let or development finance once the project stabilises or a sale completes.

You can apply online or through our lending team. We鈥檒l assess property details, structure and exit strategy, then move quickly to issue a decision in principle.

We lend to individuals, companies, SPVs, LLPs and trusts. Borrowers must provide a clear exit strategy, such as refinance or resale, and meet LTV requirements of up to 75% for residential / 65% commercial properties.

Once a bid is accepted at auction, a deposit is usually required on the day and must complete within 28 days. 91看片 provides fast funding (subject to assessment) in order to meet this deadline, often with pre-approval available before you bid.

As part of the application process, we assess the full property, including rental income potential and exit strategy. A valuation confirms current and projected value, after which we structure terms based on LTV and borrower profile.

We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.

Yes, bridging loans are often used as a short-term solution before refinancing into a longer-term mortgage or development finance once key project milestones are met.

91看片 will lend up to 75% LTV for residential properties and 65% for mixed-use developments. If the residential element is greater than 55% then we will consider up to 75% LTV.

Yes, bridging loans can be structured to cover property purchases as well as refurbishment or construction.

A short-term loan designed to provide quick capital for purchasing, refurbishing, or developing residential and mixed-use properties, helping to bridge gaps between funding stages.

Yes, our finance covers both residential and mixed-use properties, providing flexibility for diverse investment strategies.

Fast decisions and streamlined processes mean funding can be available in weeks, (timescales can vary depending on the individual case).

Light refurbishment involves cosmetic changes like redecorating or new kitchens, while medium refurbishment can include structural alterations without requiring full planning permission.

Once works are complete, you can refinance onto a longer-term buy-to-let or commercial mortgage, or sell the property. Bridging loans are designed to provide flexibility until that exit is achieved.

We consider applications from individuals, companies, SPVs and trusts. Borrowers must show a clear project plan, valuation, and an exit route via sale or refinance.

聽Refurbishment finance is a short-term bridging loan designed to fund property improvements, from cosmetic upgrades to moderate non-structural works, helping investors boost value and rental yield.

While experience is beneficial, we assess each case individually. First-time refurbishers may be considered, especially with a strong project plan and exit strategy.

Up to 75% of the current property value, depending on the exit strategy and borrower profile.

We can provide fast decisions and access to funds – often within days – so you can start your project without delay.

Cosmetic upgrades, new kitchens or bathrooms, redecoration, and minor structural changes such as removing or moving non-load-bearing walls. These works don鈥檛 require full planning permission.

Yes, bridging loans can be structured to cover property purchases as well as refurbishment or construction.

Once the portfolio is stabilised, you can refinance into longer-term buy-to-let or commercial products. This ensures smoother cash flow and positions the portfolio for sustainable growth.

We accept applications from individuals, companies, SPVs and trusts. Portfolios can include residential, commercial or mixed-use properties, subject to valuation due diligence and LTV limits.

A portfolio stabilisation loan is typically used when an investor has acquired multiple properties that require time to reach full occupancy or achieve expected rental income. It provides short-term funding to cover costs while the portfolio is being let, improved, or restructured. Once the rental income stream is stable and sustainable, the loan is usually refinanced onto a longer-term product.

Portfolio stabilisation finance is a short-term loan that helps landlords refinance or restructure multiple properties, release equity, and improve cash flow before moving to longer-term solutions.

Loan terms usually range from 3 to 18 months, giving borrowers time to restructure, refinance, or improve their portfolios before transitioning to long-term finance.

Up to 75% LTV on residential properties and 65% on mixed-use or commercial assets, subject to valuation and criteria.

Residential, commercial, and mixed-use properties within a portfolio can qualify, depending on loan-to-value and borrower criteria.

Bridging loans provide quick, flexible funding to refinance debt, release equity, or fund refurbishments, helping investors stabilise their portfolio without delays.

On completion, you can refinance onto a long-term mortgage or sell the property. Bridging loans offer flexibility until your chosen exit is achieved.

Loans are available from 拢500k to 拢20m, up to 75% LTV residential / 65% commercial, with terms from 3鈥�18 months. Applications are considered from individuals, companies, SPVs and trusts, and are subject to due diligence.

We start with a valuation of the property鈥檚 current and projected value. Funds may be released in stages to match works, with monitoring to ensure the project remains on track, however each case is assessed on it’s own merit and structured accordingly.

Eligible works often include converting offices, shops, or light industrial buildings into residential units, or adding extensions within defined size and use limits set by planning rules.

A permitted development loan is short-term finance for projects carried out under permitted development rights, such as office-to-residential conversions, where full planning permission isn鈥檛 required.

Yes, permitted development comes with limits on size, use, and design, and sometimes requires prior approval or compliance with local regulations.

Yes, bridging loans offer quick, flexible funding tailored to the fast timelines and unique needs of these projects.

Permitted development reduces planning permission delays and costs, enabling faster project completion and quicker returns on investment, whilst re-purposing an existing asset.

Common projects include converting offices to residential units, adding extensions, or changing commercial spaces into homes, subject to specific rules and limits.

Permitted development allows certain building works and changes of use without needing full planning permission, speeding up property conversions and renovations.