Further guides written by Simon Nicholson

With over 38 years in financial services Simon Nicholson is a secured lending expert and is the head of secured lending here at Lending Expert. If you're considering taking out a secured loan or need help with a quote Simon will be on hand to help find you the cheapest finance rates.

How To Use Bridging Finance To Buy Property At Auction

Whether you are a buy to let landlord, potential homeowner or a property developer, buying a property at auction has its benefits. Many individuals choose to buy property at auction rather than traditional methods because there is often a good deal to be had. Many […]

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Refused a mortgage? Don’t worry we can help

If you have been declined a mortgage from your bank or mortgage lender then dont worry as we may still be able to help. Our experts help mortgage applicants who dont fit the ‘standard’ mainstream requirements and who may have been refused a mortgage or […]

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Second Charge Loans With No Early Repayment Charges [No ERC’s]

looking to secure a Fixed Rate on their new mortgage but don’t want to get stung by the Early Repayment Charge? Our diverse panel can offer Fixed Rate second charge mortgage products ERC Free. With potential uncertainty and looming Brexit – You can have the […]

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Secured loan For Unencumbered Property [Second Charge Mortgage]

If you have a property that has no mortgage and you wish to take out extra borrowing against the property then we can help. A secured loan for an unencumbered property is an ideal solution when a mortgage from a mainstream lender is unavailable due […]

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Buy to Let Mortgages With No Rental Income Stress Test Required

We are currently offering 1st & 2nd charge Buy to Let mortgages and secured loans with no rental income stress testing required from the mortgage lender. This buy-to-let mortgage product is an alternative solution for landlords whereby the rental income does not stack up or […]

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Use A Second Charge Mortgage To Repay A Help to Buy Equity Loan [Case Study]

Problem Customer wanted a £50,000 loan and wanted to use the funds to pay off a help to buy equity loan they took out 5 years previously. The good news was that the value of their home had increased significantly over the last 5 years […]

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100% LTV Second Charge Mortgages [Case Study]

The Problem Clients wanted to borrow a £30,000 loan 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 […]

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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% From Secured Loan Calculator 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 […]

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