At Electi Finance, we don’t move the goalposts. Our criteria are fixed, transparent, and designed to give you confidence from the very beginning. We work with credible property investors and set out our requirements upfront, so you know exactly where you stand before progressing a deal.
Below is a clear breakdown of our lending criteria across each borrower type, helping you assess eligibility quickly and avoid unnecessary delays.
Contact Us View Products| Term |
Minimum 3 months, maximum 24 months |
| Repayment |
Interest Retained |
| Undervalue Purchase |
Acceptable up to 90% of Purchase Price / 70% LTV |
| Property Considered |
Standard construction houses and flats Non standard construction up to 60% of OMV Ex Local authority flats up to 70% LTV, houses to 75% Ex Local Flats with deck access over 5 storeys max 60% LTV HMO and Multi Unit properties up to 12 units |
| Lending Area |
England, Wales & Northern Ireland |
| Available To |
Foreign Nationals & Ex-Pats applicants must have a minimum income of £35,000 GBP equivalent and reside in countries with a BASEL risk score of 6.0 or less. Please note that applications from foreign national applicants may be declined where, in our reasonable opinion, there exists a significantly elevated risk of war or conflict associated with the applicant’s country of residence. |
We support clients through a wide range of transactions, from property finance to commercial lending. Their comments highlight our clarity, responsiveness, and ability to get deals completed without unnecessary delay.
Just pop in your details and one of our expert advisers will personally reach out to help you.