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 for the loan term |
| 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 up to 75% Ex Local Flats with deck access over 5 storeys up to 60% LTV HMO and Multi Unit properties up to 12 units |
| Lending Area |
England, Wales & Northern Ireland |
| Available To |
UK Resident Individuals Limited Company SPVs registered in England, Wales & Northern Ireland (must be registered with one of the following SIC codes – 68100, 68201, 68209, 68320) |
| Valuations |
AVM: AVMs can be used on standard construction single residential properties only in good condition; Up to 70% LTV / £1m Gross Loan – confidence rating must be 4.0 or above. Where an AVM cannot be used, a full valuation will need to be instructed through our panel of approved valuation partners. AVMs are not available in Northern Ireland. |
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.