Specialist Senate 2/3 March 2017

John Jenkins, CEO Keith Aldridge, MD David Stiff, Director of Partnerships & Development

Adapt and thrive

In a changing environment, the most successful businesses

must constantly diversify to deliver customer solutions and

drive growth.

2016 in numbers

Enhancing our proposition

Q&A

Amicus in numbersThe

Enhancing the proposition

Specialists at our core

Continue to be successful – go where customers see opportunity

Stakeholder engagement – serving the underserved

Evolving and diversifying our portfolio

Banking license > enables an agile and flexible approach

Enhancing the propositionThe Differentiators - “Pragmatism in Action”

Buy > Refurb > Let

Currently in final stages of development Solving customer need > longer term lending Longer-term lending Gives buyers speed and flexibility

Solution for experienced developers

Enhanced development proposition from ‘Lender of the Year’ Gives our customers added flexibility Maximise available capital Better enables customers to manage cash flow Max loan size £7.5m Max LTV of 75%

Enhancing our offering

> Longer term property lending

Longer term property lending…The Differentiators - “Pragmatism in Action” Our customers expect longer-term options > bridging +

Risk based pricing, processing and underwriting - pricing from a ‘menu’ for standard transactions with bespoke and

tailored response where needed

Big banks have large share of the market > commoditised products

Amicus offers bespoke, tailored solutions > serving the under served

Quick answers & direct access to underwriters

5 – 8%

Repayment, Interest Only & Part and Part profiles offered with choice of variable, 3 year fixed and 5 year fixed rates.

Commercial and semi commercial property subject to leases

Serving the under served

Exceptional customer

service

Underwrite more complex deals

Complex BTL including HMO’s blocks of flats

Commercial and semi commercial property

subject to leases

Commercial and semi commercial property -

owner occupation

Specialist property for owner occupation

Longer term property lending…

Customers will include Investors & Owner Occupiers unable to utilise the products offered by the High Street

banks. This can be for a number of reasons such as:

Loan to value

Credit History

Type of security

Length / type of lease

Ownership structure

Working closely with brokers to shape the proposition and offer > a market-first approach

A typical deal…

A loan of £245,000 against a value of £350,000 (70%) LTV to assist with the purchase of a mixed investment property

Deposit has been raised by a combination of savings and a further advance on the applicants main residence

Property is a shop on the ground floor with a flat above; at purchase shop is vacant but the flat has a tenant occupying on

an AST agreement

A valuation of the property confirms there is good demand for tenants for both shop and flat

The applicant has background income available to support the deal whilst a tenant for the shop is found and is and

existing landlord with other mixed investment property so has experience managing this type of property

Advance provided over 20 years at a variable rate with a 12 month interest only concession to ease cashflow until such

time as the shop is producing and income.

Longer term lending…

In summary

In a changing environment, the most successful businesses must constantly diversify to deliver customer solutions and drive growth.

Remain true to our values – a specialist lender

Funding that keeps us agile and responsive

Listen to and act - customers and Stakeholders

Diversification of product and business

Our people and talent + 100 new faces in 12 months

What’s in it for you?

Right stakeholder partnerships

Support to diversify your proposition

Get proactively involved.

The specialist sector drives and leads the charge and the short-term lending sector is very much alive. We will always put our customer first; leading with what they value most – service, understanding their needs and delivering on time. Through a programme of communication, education and diversification, I see no reason why we will not continue to grow from strength to strength.

Keith Aldridge, Managing Director – Amicus Property Finance

Questions?

Thank you