Secured loans are available for any purpose including debt consolidation, wedding, holiday and home improvements.

They are similar to a mortgage in the fact that they are secured against a UK property either residential or buy to let or commercial.

The product range caters for differing client circumstances, so clients whom may have had problems in the past can often be assisted.

As we deal with all the secured loan lenders we have access to the most competitive rates available.

The secured loans are regulated by the Consumer Credit Act 1974, meaning that upon redemption / settlement of most loans the penalty charges are up to 2 months interest.

• Secured Loans from £5000
• Wide product range
• Employed or Self employed
• Desk top Valuations available
• CCJs, Mortgage Arrears & Defaults not necessarily a problem
• Self-Certification available
• Up to 80% LTV
• Interest-Only Loans available
• Buy-To-Let second charges available
• Dedicated Underwriter from start to completion
• Loans on ex council property.
• Commercial secured loans available

There are a number of reasons to use Bridging finance and one of the main ones is that the client is not locked into a long term agreement. Bridging is a short term loan that is taken out to solve a temporary cash flow or financial problem. They are generally set up for repayment anywhere between one and twelve months, and are usually only given to home or property owners, being secured against the building or buildings that are currently owned. This can be used for any purpose. To pay off other debts, renovation, purchase a property at auction, purchasing a second property before selling the first etc. We advise proceeding with caution and only agree to a bridging loan if the client is certain they can repay within within six to nine months.

• First and second charges available
• Borrowing generally between £15,000 and £500,000
• 70% of value of property less any current mortgage balance
• Self certification available
• No minimum term
• Most security types considered
• Quick turn around time

Unsecured loans are loans not secured against a property. These are suitable for clients whom have insufficient equity for a secured loan or remortgage. There are no early redemption charges with these loans.

• Loans from £3000 to £25,000
• Loans for most purposes
• No early redemption charges
• Loans from 1-10 years
• Available for tenants or Living with parents
• Not available to clients whom have has past credit problems
• Employed or self employed.

Mortgages, remortgages and further advances are available on Residential properties or Buy to Let properties or Commercial properties. They are a first charge against the property. Remortgages are available to get a lower rate of interest and reduce monthly outgoings. Homeowners who want to raise money for home improvements, buying a car or other purposes often find that a remortgage to raise the money is cheaper than taking out a personal loan or using credit cards. This is because interest rates on mortgages are amongst the lowest of all the different types of loans.

Homeowners may wish to raise money to consolidate other debts. By taking advantage of remortgaging your property you could transfer several debts into one more easily manageable remortgage.

This means you can replace credit card bills, personal loans and other loans with one lower interest rate remortgage and spread lower payments over a longer period.

It is important to note that there are costs attached to remortgaging such as redemption penalties. These need to be taken into account when you are considering a remortgage. It is however worth bearing in mind that often the benefits of remortgaging can outweigh the costs involved.

• Past credit problems not necessarily a problem.
• Lend up to age 85 years
• Up to 90% Ltv and 95% for some first time buyers.
• Fixed / Interest Only / Tracker products available
• Shared Ownership products up to 75% Ltv
• Employed or self employed
• Available on council properties
• From 5-30 years
• Self build considered
• Development finance considered.

A commercial mortgage is the most popular type of mortgage used to buy building and land for business purposes. Aside from providing your business with a major asset that is likely to appreciate in value, a commercial mortgage offers a wide range of additional benefits. Depending on the terms of your mortgage contract, the repayments may be similar to your current rental payments, which means you won’t have to budget for additional property expenditure or rental increases. In addition, the interest that you need to pay on the mortgage is tax-deductible and, if you have more room than you need, it may be possible to sub-let some of the space – with an agreement from your lender of course!

• Purchase an existing business or existing business premises
• Invest in commercial or residential investment property
• Release equity trapped in existing commercial property
• The ability to raise money for working capital or an injection of cash flow
• A reduction in the costs of an existing commercial mortgage
• An opportunity to increase your earning potential through refurbishing, improving or expanding your business property
• Farms and other agricultural properties
• Secured loan or first mortgage
• Lend in Buy to let portfolios
• Non standard constructions considered
• Land for development
• Pubs, hotels, guest houses and bed and breakfast establishments
• Restaurants and fast food outlets
• Leisure industry properties
• Working farms and Farmhouses.
• General industrial properties, including warehouses and factory units
• Office accommodation
• Retail units
• Commercial buy to let properties
• LTV generally 70% of the value of the property.