Features and benefits of the Hope FleXi:


· Now part of the Custom Collection, the FleXi  can be combined with the other features and options within the collection, effectively creating a customised loan for the borrower.


· Any combination of the number of months that can be serviced or retained, spreading payments across the term of the loan.


· The borrower can achieve the balance between affordability, optimal loan amount, cash flow and Loan To Value.


· Monthly payments can reflect the repayments of any future remortgage, which may help provide a satisfactory credit profile, when implementing their exit strategy.


· Borrower can ensure that any rental income from the property can cover the interest repayment or interest cover ratio.


· Designed for residential properties which generate rental income.


Example scenarios of how borrowers can balance monthly repayments and the maximum loan amount received on day one.

Hope FleXi payment examples 09.07.20

The Hope FleXi for residential properties has been designed to help borrowers to achieve their ambitions, to optimise income-generating property, cashflow and capital requirements.


This means that the level of payments and the amount required on day one is effectively tailored to each individual borrower’s circumstances.

“Our Hope FleXi bridging loan is part of the Custom Collection and is all about offering flexibility and affordability to meet the needs of the borrower."

“We make it our job to take all these different situations into account and do our utmost to lend in any scenario where the loan achieves the borrower’s aspirations."

Jonathan Sealey, CEO

Loan terms can be from three to 12 months, so if the borrower has selected a 12-month term, they could choose to retain six months’ interest, and make six months’ payments spread over the whole 12 months.


Alternatively, they could opt to retain five months’ interest and make seven monthly payments, again spread over the whole 12 months; or retain seven month’s interest and make five months’ payments spread over the term – ultimately any combination can be selected, to benefit the borrower, creating the ultimate in flexible borrowing.


The Hope FleXi is part of the Hope Capital Custom Collection which comprises five different products, features and options, all of which are designed to give the most suitable solution for the borrower.


Jonathan Sealey, chief executive officer of Hope Capital, commented, “The introduction of our Hope FleXi bridging loan is all about offering the flexibility to meet the needs of the borrower.


“We understand that individual circumstances – the borrower’s own financial position and the nature of the property they are investing in – will vary greatly from case to case.


“At Hope Capital, we make it our job to take all these different situations into account and do our utmost to lend in any scenario where the loan achieves the borrower’s aspirations, is affordable and enables a viable exit strategy.


“As with all our bridging loans, our team provide service excellence at every stage from initial enquiry through to completion.”

Chris Buckley

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