Spring Finance Secured Loans

Spring Finance is a specialist provider of residential Second Charge mortgages and loans, lending to customers who are unable to obtain finance from more traditional, main stream lenders. Apply below via our approved secured loan brokers and they will also check against other lenders to ensure you get the best rates.

This calculator will give you an idea of costs. The exact amount and APR payable will be provided from the lender subject to credit and affordability checks.

Your monthly payment will be:


Interest on this loan will be:


Annual Percentage Rate (APR):


Total repaid will be:



Learn More Available via broker only

Spring Finance

Loan Amount
£10,000 - £150,000

Representative APRC

Loan Term
3 - 35 years

Loan Type
& Buy to Let

Homeowners Only
Max LTV 60%

Rated 4/ 5

Poor Credit

We are a specialist provider of residential Second Charge mortgages lending to customers who are unable to obtain finance from traditional high street lenders. Get a quote today for a personal illustration from our award winning broker.

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About Spring Finance

Spring finance does not provide advice or provide mortgages direct to consumers, but operates through its intermediary First Choice Finance. Spring finance provides information on its website for existing borrowers, professional mortgage intermediaries and credit brokers, not the general public. Spring Finance has a philosophy of building relationships with customers while offering a service which is both efficient and personalised.


Spring Finance can be contacted on the 020 8387 5550 or [email protected]
Their registered office is base at Spring Finance Limited, Kinetic Business Centre, Theobald Street, Elstree & Borehamwood, WD6 4PJ. Spring Finance are authorised and regulated by the Financial Conduct Authority (FCA) and are listed on their register here.


Spring Finance focuses on the individual needs of customers by adapting products to suit various cases. Their products are available throughout most of the United Kingdom and are based on deep systematic research. Spring Finance has developed in-house technology at its processing centre to enable quick and efficient loan completion.

Spring Finance has experienced professional staff who are dedicated to the second charge mortgage sector. Spring Finance encourages its staff to be creative in order to tackle ever-shifting issues in a volatile world.

Spring Finance allows up to 6 months’ current mortgage arrears, and ignores all unsecured credit when calculating income and has also increased its maximum loan from £35000 to £50000, so that they now have the largest high adverse loan product in the industry.

  • Available for BOTH Residential or BTL customers
  • Max 6 months’ current arrears
  • Any amount of CCJs or Defaults accepted
  • Employed or Self Employed available
  • Max LTV 65%

Spring Finance prefers to collect payments from existing customer by standing order, but also accepts payments on its online payment system. Spring Finance sends out Annual Statements, including all payments due and made, as well as any charges and third party costs that have been applied during the 12-month period of the statement.


Spring Finance provides a straightforward second charge mortgage product with competitive rates and flexible criteria. The company prides itself on examining each case individually and trains its underwriters to consider each case even ones that do not appear to pass standard terms initially.

Spring Finance Limited is a responsible lender who provides a simple solution to most customer borrowing requirements. The company has a philosophy of building relationships with customers and offering an efficient, personal service. They prefer to collect payments by standing order but also has an online payment system.

The company focuses on the individual needs of customers and has developed its own technology at its processing centre to enable efficient loan completion. They currently allow up to 6 months’ mortgage arrears with any amount of CCJs or Defaults and a maximum LTV of 65% for employed or self-employed borrowers.