Quantum Mortgages
Mortgage Type
Bridging LendersProperty Value (min)
No minimum property value
Advance (min)
£50,000 gross (1st charge only)
Advance (max)
£2,000,000 gross (1st charge only)
Term (Max)
24 monthsMinimum Age
21 yearsMaximum Age
85 yrs at the end of the termFamily Cash Gift Deposit
YesFamily Gift of Equity Deposit
YesIncome (min)
No minimum incomeRestrictions
The maximum number of loans that may be granted to any one borrower is limited to the lesser of 10 loans or £10 million of borrowingQuantum mortgages will lend on a maximum of 33% of units in an individual block
Ex Local authority flats up to 70% LTV, houses to 75% (in an area where at least 50% of the properties are owner occupied).
Flats with deck access over 5 storeys max 60% LTV
UK Residents only
Residential investment -
Repayment: Interest retained for the loan term.
Refurb bridge:
Repayment: Interest retained. Exit fee 1% of the gross loan.
Refurb + bridge:
Repayment: Interest retained. Exit fee 1% of the gross loan.
Let to Buy (Turning Residential into Buy to Let)
No – don’t consider CBTLEx-Local Authority Properties
YesMinimum years remaining on leasehold property
Minimum remaining lease term is 40 years at loan completionPermanent rights to reside and remain
Yes - UK Residents onlyEU Citizens
Applications submitted from 1st January 2021 where the applicant is an EU citizen they must provide a valid permanent residence document or evidence that settled or pre-settled status has been granted under the EU Settlement Scheme. This can be in the form of a letter from the Home Office confirming their settlement status or a Residence Card.
Settled status is awarded to EU citizens that can evidence a minimum of 5 years’ continuous residence in the UK, whereas pre-settled status applies to those who have not resided in the UK for 5 years. Those awarded pre-settled statuses can apply for settled status once the 5-year residence requirement can be met.
Ex-Patriates
NoNew Builds
Flats acceptable up to 70% LTV where criteria is met. Max 5% builder incentive.Houses up to 75%.
Credit Score
NoHistoric CCJ’s & Defaults
Satisfied defaults / CCJs considered if non instalment debts and less than £500 combined (maximum of 2)Late payments considered subject to a reasonable explanation