100% LTV Second Charge Mortgages [Case Study]

The Problem Clients wanted to borrow £35,000 to complete an extension on their end terrace property. They were 12 months into a 2 year fixed rate with the Halifax and their broker could not find a 100% LTV remortgage, the existing lender coincidentally would not […]

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Non-Regulated Semi Commercial Mortgage With Flat Above Takeaway [Case Study]

The Case A directly authorised mortgage broker referred a semi commercial purchase to us, as they were struggling to place with a lender due to the property being a hot food takeaway with a residential flat on the first floor. Client was looking for 70% […]

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Second Charge Mortgage, No Mortgage History & Previously Declined [Case Study]

A directly authorised mortgage broker approached us with an enquiry where his client had purchased a property just 3 weeks previously. The client wanted to borrow £156,000 to carry out home improvements to the property which would include a new extension, however the client did […]

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Buy to Let Mortgage on Unencumbered Property with Historic Adverse Credit [Case Study]

The Case A directly authorised mortgage broker referred a client who was looking to raise £80,000 on a unencumbered BTL property purchased with cash just six weeks previously. The customer also had historic adverse credit including numerous defaults and CCJ’s. The mortgage broker was struggling […]

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Business Loan Second Charge Residential Mortgage [Case Study]

Product Details Loan Size: £50,000 Product: Variable Rate: 7.99% LTV: 75% The Case: A directly authorised mortgage broker referred a client who was looking to raise £50,000 to purchase a BTL. Client’s only security was his residential home and to complicate the case further the […]

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Secured Loans Explained

If you have never had a secured loan then you may be wondering what they are all about. Here we’ll explain what a secured loan is and how they differ from other types of loans on offer. A secured second charge loan A secured loan […]

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Unsecured vs Secured Loan?

If you have been researching different types of loans in the hope to find out which is more suitable for you then this may help. Listed below are some of the standard features associated with each type of loan. The features of a unsecured (personal […]

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