Ponte Finance Loan Solutions
Understanding
Ponte Finance provides short-term bridge loans secured against property, offering flexible lending
solutions while maintaining a profitable business model.
Our Lending Structure
We offer loans from small amounts up to £400,000, typically lending 75% of a property's value, though in certain cases we can go up to 100% LTV. Every loan is secured against property, with values confirmed by an independent surveyor.
Fees and Interest
We generate revenue through three main streams: 1. Acceptance Fee: 2% or £3,000 (whichever is higher) 2. Monthly Interest: 1% to 3% per month 3. Exit Fee: 2% or £3,000 (whichever is higher)
Let's look at some practical examples:
£100,000 Loan Example
- Property Value (at 75% LTV): £134,000
- Acceptance Fee: £3,000 (minimum fee applies)
- Monthly Interest at 2%: £2,000 per month
- Exit Fee: £3,000
- On a 6-month loan, total revenue
£250,000 Loan Example
- Property Value (at 75% LTV): £334,000
- Acceptance Fee: £5,000 (2%)
- Monthly Interest at 2%: £5,000 per month
- Exit Fee: £5,000
- On a 6-month loan, total revenue would be £40,000 (£30,000 interest + £10,000 fees)
£400,000 Loan Example
- Property Value (at 75% LTV): £534,000
- Acceptance Fee: £8,000 (2%)
- Monthly Interest at 2%: £8,000 per month
- Exit Fee: £8,000
- On a 6-month loan, total revenue would be £64,000 (£48,000 interest + £16,000 fees)
Risk Management
Our business model protects our investment through:
- Property Security: Each loan is secured against a property worth more than the loan amount
- Professional Valuation: Independent surveyors verify all property values
- Cost Recovery: Borrowers cover both surveyor and legal fees
- Equity Buffer: Our standard 75% LTV provides protection against market fluctuations
The borrower is responsible for:
- Surveyor fees
- All legal fees
- Monthly interest payments
- Acceptance and exit fees
