Candide Financing 2026-1 B.V.: 09 March 2026

Candide Financing 2026-1 BV is a Dutch financial vehicle specialising in the securitisation of prime residential mortgages, structured as part of the ongoing Candide Financing series and registered in Amsterdam.

At the cut-off date (31 December 2025) the portfolio consists of 3,512 borrowers (in 6,371 loan parts) with an average balance per borrower of Eur267,176 and a maximum loan size of Eur963,185. Mortgage types (by current balances): annuity – 87.0%, interest-only – 10.6%, linear – 2.4%. The WA CLTIMV is 70.98% (the CLTOMV was 78.16%) and the WA seasoning is 1.27 years. Regional concentration (by current balances): Zuid-Holland - 18.6%, Noord-Holland – 17.8%, Noord-Brabant - 16.9%, Gelderland - 10.7% and - Utrecht 6.8%.

EU & UK Risk Retention: The Seller, as ‘originator’ within the meaning of the EU Securitisation Regulation, will retain on an ongoing basis a material net economic interest of not less than 5% in the securitisation in accordance with Article 6(1) of the EU Securitisation Regulation. In addition, the Seller will retain (on a contractual basis) as originator, on an ongoing basis, a material net economic interest of not less than 5% in the securitisation in accordance with Article 6 of the UK Securitisation Regulation.

US Risk Retention: The Seller (Lloyds Bank GmbH Amsterdam Branch) intends to rely on an exemption provided for in Section 20 of the US Risk Retention Rules regarding non US transactions that meet certain requirements.

STS: On the Closing Date, it is intended that a notification will be submitted to ESMA and BaFin in accordance with Article 27 of the EU Securitisation Regulation, confirming that the requirements of Articles 19 to 22 of the EU Securitisation Regulation for designation as a EU STS securitisation have been satisfied with respect to the Notes.

Compare/contrast: Candide Financing 2025-1 BV, Fairbridge 2025-1 BV, Jubilee Place 9 BV