Bridgegate Funding plc (2026): 18 April 2026

A standalone issuance in which the Portfolio comprises owner-occupied and buy-to-let Loans secured over residential properties located in England, Wales, Northern Ireland and Scotland.

Number of Mortgage Accounts in the Provisional Portfolio as at the reference date (31 January 2026) is 10,875 (31.697 actual loans) with a current balance of £1,367,738,456.56. Borrower type: BTL – 53.03%, owner-occupied – 46.97%. Redemption type: Interest-only – 92.30%. Interest type: tracker – 59.33%, variable – 38.06%, others – 2.61%. Current LTV: 50.00% (original LTV 78.86%), WA seasoning (in years) 19.54. Outstanding principal balance by Property type: House - 49.69%, Flat / Apartment - 26.12%, Terraced House - 23.34%, Bungalow - 0.00%. Arrears - >=6 Months in Arrears 15.27%, >=12 Months in Arrears 12.77%.

STS Securitisation: The Notes are not intended to be designated as a UK STS securitisation or a EU STS securitisation for the purposes of the UK Securitisation Framework or the EU Securitisation Regulation.

UK and EU Risk Retention: On the Closing Date, Lloyds Bank plc will retain on an ongoing basis a material net economic interest of not less than 5 per cent in the securitisation in accordance with SECN 5 (the FCA Retention Rules) and Article 6 of Chapter 2 together with Chapter 4 of the PRA Securitisation Rules and Article 6(1) of the EU Securitisation Regulation (as required for the purposes of Article 5(1)(d) of the EU Securitisation Regulation).

US Credit Risk Retention Requirements: The Sponsor intends to satisfy the US Credit Risk Retention Requirements by having Lloyds Bank plc, in its capacity as the Retention Holder, as its majority-owned affiliate, acquiring and retaining, directly, an eligible vertical interest (an “EVI”) equal to a minimum of 5% of the nominal value of each Class of Notes and the Certificates.

Compare/contrast: Bridgegate Funding (2023) plc (redeemed), Elstree 2026-1 MIX