Your questions answered

Will you roll up interest and costs to the end of the loan?

Yes we will. We will always be flexible if this is what you need, providing you have the margin to do this and we are clear as to the length of the loan.

How long does it take to get the funds?

Each case is reviewed individually. However, if all the paperwork is complete, you could receive your funds in as little as 48 hours.

How long will it take to get a decision?

In most cases we will give you an immediate decision (assuming you have supplied all the necessary information and completed the necessary forms). We also always visit you and your project.

What security do you require?

Like all other lenders, we will require a legal charge for a mortgage or loan secured against a property, or alternative security you wish to offer us. Unlike other lenders though, we are very flexible.

How much LTV can I borrow?

We are unique as we will lend 100% in some circumstances; good security, clear exit and an exciting project will always allow us to push boundaries.

How much money can I borrow?

Our minimum loan is generally £250,000 and our maximum is £3,500,000. We will always be flexible and much depends on the security available.

How long is the loan period?

Our loans are for typically for 6-24 months.

Do you only lend on specific types of properties?

We are flexible. Yes, we want good security, but we are happy lend on residential, semi-commercial and commercial properties, as well as land, regardless of the construction, type or use.

Is there any employment criteria for the borrower?

No. We are open and view the project and the people as the key ingredient. Our profitable partnership policy aims to build long-term relationships.

Who do you lend to?

Typically, we lend to limited companies, LLP’s, SPVs, and high net worth individuals.

How is Ultimate Capital funded?

We are a principal lender, lending our own funds. Unlike others, we don’t borrow from another larger lender. This means that we are agile and flexible. Without the need to involve third parties, we can lend on projects often declined by other lenders.