How it works

Our process is designed to be as simple as possible and we aim to respond quickly to all applications. A typical process is shown below. Please note, timings may vary depending on individual circumstances.

Day 1

Direct or intermediary enquiry, initial underwriter assessment, indicative pricing provided.

Day 2

Application form filled in. Supporting information provided including all KYC.

Day 3

Indicative heads of terms. Finance terms issued subject to valuation and legals.

Day 4

Customer signs off on HOTS. Funds legals and valuation.

Day 5

Credit check on borrower. Detailed underwriter assessment. Pre-approval from credit line. Finance and credit approval.

Day 5 - 15

Offa appoints independent valuer for a reliance basis "as-is" valuation. Full site inspection.

Day 5 - 20

Reliance over report on title, finance agreement, security (First Charge, PGs).

Day 21

Final review, documents signed. Take security and advance funding.

3 Month Prior

Re-engage with customer. Ascertain progress on redemption. Provide assistance on refinance typically through broking finance.


Offa has extensive experience of providing finance for a range of customers in different parts of Britain. Here are a few examples of cases where we have provided property finance.

Example A



70% Finance to Value

9 months term

Home Purchase

Completed in May 2020

North West - Liverpool

Example B



70% Finance to Value

9 months term

Refinance of an HMO

Completed in June 2020

West Midlands - Birmingham

Example C



65% Finance to Value

9 months term

Acquisition for conversion to student accommodation

Completed in March 2020

East Midlands - Leicester

Example D



75% Finance to Value

6 months term

Release equity for other projects and arrange a BTL loan

Completed in March 2020

South East - Surrey

Example E



75% Finance to Value

6 months term

Purchase of an investment property

Completed in June 2020

South East - Essex