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What you need to know – Bad Credit Secured Loans

Promise Money has secured loans available for people who have had credit issues in the past as well as those with clean credit histories

£50000 secured loan bonus

Earn an additional £300 bonus on your large loans

Secured Loan Comparisons

Here is an email template you can send to your business contacts to generate secured loan enquiries.

Small business loans, commercial loans and loans for Self Employed

If you are finding it difficult to find a small business loan, commercial loan or loans for self employed borrowers, we have created the perfect solution.

Secured loans for clients with poor credit e.g. CCJ’s, Defaults, IVA’s

We get many calls asking if we can arrange a loan for someone with bad credit.

Getting a mortgage or remortgage with poor credit or debt problems

We often get queries from introducers wanting us to help their clients arrange complex or difficult mortgages.

No equity & high LTV secured loans with bad adverse credit & arrears

A broker mentioned to me yesterday that he had forgotten about our 125% LTV (adverse accepted) secured loans.

Email template for your clients – Secured loans adverse credit

a version of our adverse credit update which can easily be forwarded to introducers.

Help with difficult loan applications

Have a look at this – it may spark some ideas.

Secured loans for people who have problems with income

I have been asked to circulate something to brokers regarding income specifically showing points they may be missing out on.

Unsecured loans | lowest rates for people with bad credit or arrears

Where else can a tenant or a homeowner with no equity, with adverse credit raise up to £100K at rates around 10%?

High LTV above 125% secured loans including poor credit

A broker mentioned that he had forgotten about our 125% LTV (adverse accepted) secured loans.

New secured loan up to 99% LTV

Here’s another new lender – 95% with mild adverse (99% on referral)

Up to £100,000 unsecured loans for purchase deposit

benefit from up to a £100,000 unsecured loan to use as a deposit

Equity release mortgages

It seems many avoid equity release mortgages as they are considered low income and high hassle.

Bridging and short term loans case studies

Here are some thoughts which may help you spot short term lending opportunities.

Pension loans for Limited companies

Here’s another new product which I think will interest you.

New unsecured loan up to £10,000

Promise brokers now have access to unsecured loans from Everyday Loans.

Broker discount savings card

If I had seen this before I booked my family holiday I would have saved £283.

Release cash from pensions for business loans

Do you have clients who own Limited companies and wish to raise capital?

Loan Broker Update: Difficult loan, funding & capital raising options

It’s fair to say that most loan enquiries come to us for the straight forward reasons we all know

The ultimate fast bridging loan

If you need a very fast bridging loan there are unfortunately very few genuine options

How to solve complex income scenario’s for secured loan applicants

Clients often get turned down for finance due to the income criteria of a particular lender.

Guarantor Loans

Guarantor loans now available

Difficult loans or finance applications

Secured loan brokers constantly preach how a loan can provide a solution when a remortgage is declined.

Large secured loans £30000 to £50000

Large loan update – better products to help leave the existing mortgage in place.

Business Loans & commercial finance case study

If you have clients who are self-employed/business owners and who find it difficult to raise cash, you may find this case study helpful.

Secured Loans with little or no equity

Over recent weeks a number of high LTV secured loans have come to the market

Non Status Business Loans

Are you unable to raise finance for your business?

The lowest loan interest rate for at least 6 years

To start the year I am pleased to tell you we have a major product change

Higher LTV’s and lower loan rates from Blemain

We have some improved Blemain terms to share with you. Given this is good news for all brokers,

Loans for self employed – no accounts – poor credit

This new product will be of benefit to clients with heavier adverse credit

A new loan for borrowers in Scotland

Masthaven Secured Loans have extended their lending into Scotland today.

Self employed loans and business finance

With tax bills looming, here is a reminder of some of the additional products which may help your clients.

Helping your clients consolidate expensive short term credit

more people than ever will be thinking about debt consolidation

High LTV secured loan for borrowers with past arrears or poor credit

NEW Secured Lender – High LTV – poor or bad credit accepted – rates from 8.9% – LTV’s up to 85%

New BTL loans with low costs, low ERC’s & low affordability thresholds

The interest rate is 9.95% which is generally 1% lower than any other current products.

Remortgage Declined? Find a solution with the secured loan guide

For brokers helping their clients to capital raise, this simple guide may help identify where a secured loan may be an alternative to a remortgage.

Brokers tap into doubled commissions with large secured loans

it is clear that the secured loan market is proving more popular for clients raising large sums.

Debt consolidation loan experts

Promise can offer loans which allow you to consolidate your debts whilst raising extra cash for other purposes.

Spot Secured Loans Faster – Refer Them Faster

Are you too busy to offer secured loans on your remortgage declines?

Second Charge Loans

Promise was fortunate to be one of the first Brokers to offer second charge loans from Masthaven when it launched towards the end of last year

Adverse Credit Mortgages – Owner Occupied/Purchase/Remortgage etc.

We have some new products available through our complex mortgage team which may interest you.

Large amounts Secured loans

Not only have we just completed Nemo’s largest ever loan

New products from secured loan lender – large loans at low rates

These homeowner loans are now live on the Promise sourcing portal – alongside the other 17 secured lenders.

Using bridging finance to help stay on top of credit & loan payments

Do you have clients who want a short term reduction in their credit outgoings?

Brokers at risk from claims management companies

It is widely believed that brokers, in particular those involved in mortgages and loans, are in the firing line

BTL Adverse Credit Mortgages- Purchase/Remortgage/Capital Raising

We have further products available through our complex mortgage team which may interest you.

Secured and Bridging loans online application

Its free, simple and easy to integrate. Here’s how it could work for you.

Short term loans bridging or a secured loan

We are regularly asked by our brokers for short term bridging.

New secured loan accepts buy to let

We are now up to 16 secured lenders – That’s double what you get on other sourcing systems

New sub prime secured lender accepting poor credit & minimal equity

This is double the number of lenders offered by most loan sourcing portals

Secured Loan Company reaches 10th birthday

Promise has celebrated its 10th birthday

Norton simplify loans for debt consolidation

Norton has changed the way they treat Debt Management and IVA plans

Paragon introduce three and five year fixed secured loans

Paragon has today introduced new three year and five year fixed secured loans

Central drop rates on secured loans again

Central have today unveiled a new criteria update which sees their interest rates drop once again

A new option for self-employed borrowers

HMRC are currently being swamped by requests from self-employed individuals for SA302s to support mortgage applications.

Congratulations to Simon Stern

After 30 years at Prestige Finance Simon Stern has now left onto pastures new

Unsecured arrears now ignored by Prestige

Unsecured arrears will now be ignored unless they are defaulted on all of Prestige’s Near-Prime second charge plans

Significant changes in the secured loan sector

Last week saw some significant changes in the secured loan sector.

Precise add new five year fixed secured loan product

This morning Precise Mortgages has enhanced its secured loans offering

Overview of BTL secured loans

I predict that this year is going to see a massive increase in BTL secured loans

Equifinance relax 80% LTV secured loan for recent arrears & CCJ’s

Equifinance, the specialist secured loan lender, has relaxed its criteria most notably to accept applications at 80% LTV

Nemo reduce secured loan rates by up to 0.9%

We have released some amendments to Nemo’s criteria this morning with secured loan rates reduced by up to 0.9%.

Secured loans – Not just for problem cases

Last year I ran a series of roadshows for brokers and was surprised by how many still think of secured loans” as a last resort product.

Mortgage Brokers getting to grips with Secured Loans

It is common industry knowledge that Second Charges will harmonise with first mortgages in March

Secured loans for tax purposes

out of the blue, a nice tax bill comes through the post.

Secured Loan Case Studies – Shawbrook

Sometimes a case study can help brokers more than an overview of the underwriting criteria.

Second charge bridging from 0.4% per month

If the above caught your attention it was intended to make a specific point – please read on.

New 90% LTV BTL Second Charge

Another useful product has hit the market which may prove useful to assist your clients in raising cash

Second charges at 100% LTV

Evolution have released a cracking new product for certain quirky / high LTV scenarios.

Secured Loan Update: Blemain take another 0.5% off rates

Blemain have today reduced their loan rates by up to 0.5%

Nemo make further secured loan rate reductions

Last night we were informed of further rate reductions to our Prime range of secured loans.

Lower rates and new lender in Scotland

Recent lender changes are good news for brokers – particularly those working in Scotland.

BTL second charge loans reduced to 5.79%

If you deal with BTL landlords this could be a product you have been waiting for.

No need to fear secured loans

I think it’s fair to say many brokers approach secured loans with a degree of caution.

BTL second charges – missed opportunity?

The rise of buy-to-let continues apace, despite a challenging few weeks for the sector.

Are your secured loan processes up to scratch?

How much of your day to day duties have become habit?

How to show value to the customer without going too far?

Many DA brokers face the same conundrum when it comes to secured loans.

Not offering secured loans? When will your advice end?

As the industry braces itself for full regulation of secured loans I have noticed there seems to be three schools of thought emerging.

How to deal with complex cases

While I am sure it is every brokers dream to deal with only straightforward, prime clients

The importance of flexibility

Those of you who regularly read my column will know I am of the belief that mortgage brokers should not fear second charges

Do you want to stay ‘whole of market’ & ‘independent’?

Are you a ‘whole of market’ broker? If you are it’s no doubt a label you want to keep hold

2016 – We’ve got a plan so it doesn’t need to be a bumpy ride!

We hope you have had a wonderful Christmas and New Year.

New Interest Only – No Upper Age Limit

This product has been launched today – only through selected packagers.

Fantastic New BTL mortgage – the most flexible yet

Another brilliant new product has come out today

Something to remember when you need bridging finance

Here’s something to remember next time you encounter a need for bridging finance.

Lender cuts residential mortgage rates

The cost of arranging complex mortgages has just dropped by up to 2.9%.

New improved complex second charge

This adverse loan from Spring Finance has been revamped

Commercial finance – talk to a specialist

Please feel free to talk to our experts if you need some help with commercial and development finance

What will be the impact of MCD on consumers?

Since talk of EU legislation first began, many years ago, the impact it would have has been discussed exhaustively.

Second Charges will never be the same again

The second charge market as we know it has changed forever.

Second charge advice – what is it?

Sometimes, even with the very best intentions it’s possible to get things wrong.

Beating the Stamp Duty Tax Changes

The bigger picture

Promise Bridging – Enquiry to completion 3 days

A broker who was arranging a BTL mortgage recently needed a faster solution but also wanted the best bridging loan rates

Have you spoken to your BSM?

Have you spoken to your Broker Sales Manager recently? (BSM).

Fantastic improvements to near prime seconds

Some great new criteria has arrived from Step One which I thought you might want to know about.

Brexit forces down near-prime rates

Following the recent EU referendum and Britain’s decision to leave the EU, rates have begun to be forced down.

Are you avoiding clients with adverse credit?

How many of your clients have adverse credit? If you’re a mortgage broker I’d wager a bet that very few do. Ask any master broker that serves the broker market and they’ll tell you adverse clients are few and far

Top 3 broker needs for second charges

Recent meetings held between Promise and AR / DA firms have highlighted that mortgage brokers who have embraced second charges

Am I wrong about this?

A good proportion of UK consumers will want to raise capital but talk themselves out of it

To advise or not to advise?

That seems to have been a key question for mortgage brokers in 2016

Offering a blended solution – Part 1

Here we post a series of articles showing how first charge, second charge, bridging or commercial mortgages

Promise integrates with 7th second charge lender

Leading master broker Promise Specialist Lending has completed XML integration with Shawbrook

New “Bridge to Term” for BTL and HMO refurb’s

If you have clients who buy and renovate BTL’s and HMO’s this new product should be very helpful.

Overcoming consent issues

What do you do when the first charge lender won’t consent to a second?

Commercial remortgage with arrears solved by the high street

As a wise man once said, even the best laid plans can go wrong.

How to solve a problem like second charge fees?

There’s been plenty of debate of late surrounding fees in the second charge market. And rightly so.

Second charges – seas the day

For the big financial purchases or restructures customers will often think remortgage and might contact their broker.

Commercial Finance – considering blended solutions

Commercial finance is often complex. Indeed, it can often take multiple properties and multiple lenders in order to arrive at a satisfactory solution.

Service is Key

What’s the most important aspect of your business? Which area do you focus hardest on?

New 10 Year Fixed Rate BTL mortgage product

Are your clients looking for longer term BTL mortgages?

Will the lure of independence be enough?

I have spoken many times about the need for mortgage brokers to embrace secured loans and accept them as a mainstream product.

Punjabi and Urdu speaking secured loan team

Brokers applaud Punjabi and Urdu speaking secured loan team

BTL – Apply before the rules change

New PRA rules regarding affordability on BTL loans are set to come in at the start of 2017.

Review of second charge mortgage market in 2016

2016 was always going to be a challenging year for seconds, was it harder than you expected?

Save your clients money with a third charge

Picture the scenario where your client wishes to capital raise but there is a second charge in place which they don’t want to clear.

BTL flexibility won’t be around forever

The buy to let second charge sector has thrived in recent years, largely because of the great flexibility it enjoys.

New Criteria Improves Mortgage Affordability

This morning I am bringing you news of some updated mortgage criteria from one of our lenders that goes live today.

BTL – Rental cover at 115%

One of our lenders has announced some criteria changes with immediate effect.

That deal you are thinking of binning

Many of our brokers are now so busy with mortgage enquiries that they don’t have time to focus on their complex cases.

Tax Changes for Landlords – Beware of the Traps

I don’t know if you have got to grips with the tax issues on investment properties yet?

Your landlord clients – get complimentary tax advice

Following my article last week here is a free service which may help reduce your risk and offer an additional benefit to your clients.

Are you finding BTL and HMO mortgages harder to place

Are you finding BTL and HMO mortgages harder to place – often due to tighter affordability criteria?

The tides beginning to turn

Where is this so called second charge boom? That seems to be the question on everyone’s lips right now. Why didn’t it happen?

A strategy to grow your business faster

We know that consumers generally don’t go to their mortgage broker when they want a loan. Instead they go online and apply to someone else.

Back to Basics

Let’s start with the basics. Do you know what a second charge is? If not don’t worry, you’re not alone.

Second charge rates cheaper than first charges?

We talk quite a lot about how second charge can be the more cost effective solutions for a number of borrowers.

Where do we go from here?

I’m sure that’s a question pretty much everyone in the country is asking themselves right now following last month’s politics news

Battling the comparison sites

After adapting to multiple new regulation regimes in recent years – not to mention dealing with a political elite who seem to be addicted to chaos and confusion

Second charges – pleasure or pain?

Are you motivated by pleasure or motivated by the avoidance of pain?

DAs – the power is in your hands

There are pros and cons to just about everything in life.

Promoting Second Charges – More to be done

There’s a shared consensus in the second charge market that more needs to be done to promote the products on offer, both to mortgage brokers and to consumers.

Educate Educate Engage

If you’d asked me several years ago how I felt about skiing I’d have told you I was not a fan. This, however, would have been something of an untruth.

Why wouldn’t you?

If I told you you could increase your income by doing something almost identical to what you’re doing now, that wouldn’t increase your hours and wouldn’t mean missing out

Is there space for more competition in the second charge market?

Is there space in the second charge market for more lenders?

What a difference a month makes

Secured loans are already highly flexible and competitively priced but there are two other important drivers which will influence the growth of the second charge industry.

Bridging market improves in face of uncertain mortgage market

They say it is a brave man who makes predictions and there is plenty of evidence of even getting the “dead certs” badly wrong.

Customer awareness in second charges is growing – make sure not to miss it

How much do you have to say something before people start to believe it’s the truth?

The problems with BTL’s

If your clients personally own BTL properties, life is going to get more difficult due to imminent rule changes.

Did you know properties without a bathroom/kitchen are still mortgageable?

Do you have clients who have run out of cash when doing a major refurbishment?

Brokers still unaware of second charges

Awareness. It’s a word that has been bandied about a lot in recent years as the second charge market looked at ways to increase broker engagement.

Second charges – The pivotal moment?

The second charge market is at a pivotal point. Lending volumes may have been rising for some time now but only now

Understanding second charges

It’s not surprising that some brokers steer clear of second charge loans when there is so much conflicting information

PRA? Don’t turn BTL business away

If you are wondering how you will deal with portfolio BTL’s after September, Promise can provide you with the information

PRA- What the future holds

With the arrival of the PRA rules on portfolio buy to lets more brokers are going to outsource the work to specialist packagers.

West One Shake Up Second Charge Market

West One has long been a key player in the bridging market and one which is popular with brokers and clients alike

Second charges for capital raising clients.

If I asked the average broker if he or she gets many second charge enquiries the chances are the answer would be “no, not many, my clients don’t need second charges.”

The Threat of CMC’S

Unfortunately it is also home to a group of businesses, some of which have encouraged consumers to produce fictitious complaints and claims on an industrial level.

PPI Claims Firms – Who will they target next?

According to reports PPI claims soared in the first half of 2017, hitting a three year high. At first glance this seems almost impossible.

Buy To Let – More options

Just a reminder how I can help you with your BTL capital raising problems.

Fancy a 1% discount on your business loan?

Are you aware that we can get a 1% discount on commercial borrowing?

Solutions you wont find on sourcing systems

I have a promotion at the moment for your non standard cases. Let us package your cases for £99 and you still get a 0.35% proc fee

Your flexible friend

If you are looking for flexible lending, then please talk to us about our range of second charges.

Development – cheaper, easier and very profitable

Have you tapped into the lucrative development finance market yet?

It’s a mortgage Jim but not as we know it

Here we are at the end of another year and while there are plenty of positives we can pick out from

Specialist lending for DIY Developers- It can be done

Another interesting niche is forming in the specialist lending market – DIY developing.

How brokers use seconds – Affordability

My second charge case studies this week focus on affordability.

2017 – Year In Review

At the start of 2017 there were plenty of hopes that 2017 would be the year that we saw major progress in the second charge market.

Navigating the fees issue

When it comes to fees on second charges there are many opinions and probably as many options.

When you need the fastest possible bridging

When you need super fast bridging often solicitors and valuers can grind the process to a halt.

Should We Ignore People With Poor Credit History?

or some brokers credit repair is a dirty phrase that conjures up images of unreliable clients with shady credit histories that should be avoided at all cost.

Recruitment Crisis: Turning the corner on recruitment

Over the last few years the term “recruitment crisis” has been as prevalent as “regulation” and “another new housing minister”.

The changes to paying your Tax Bills

Some of your self employed clients may be in for a nasty shock in the next week or so.

How to halve the cost of short term bridging

Do your clients ever ask for short term finance? If so, there is a fair chance that bridging will immediately spring to mind.

£1500 cash back on short term lending

Here is a cracking product fresh in today.

Second Charge Market – Success or failure?

Thanks to MCD and the tireless work of those in the seconds industry in educating the sector awareness has increased and so too are lending figures.

How to spot a big opportunity

So far this year we are seeing more large second charge loan enquiries.

Simple changes to open more opportunities

Unsurprisingly, given the last few years in the mortgage market, ‘change’ is a word many brokers are somewhat wary of.

Solutions for HMO lending

There has been a massive spike in HMO property investors over the last 12 months – the returns can be outstanding.

Can I help your Ex Pats?

With more Brits living and working outside the UK there is an increase in enquiries for Ex Pat mortgages via our panel of specialist Ex Pat lenders.

Guide to placing complex cases

Some brokers have asked for a second charge guide to help them place more complex loan and remortgage cases.

New low rates – flats above commercial, BTL, prime or adverse

Take a look at this new range of products which combines to give you some really great options.

Flavour of the month – No ERC’s

Loads of our brokers are looking for loans with low ERC’s and low lender fees.

100% LTV and 3rd charges with adverse

This has just come in. Please take a moment to read this.

Rate crash on BTL seconds

We want to make sure you know about the massive rate drops on Together’s BTL second charges.

80% LTV bridging – Advance notice

We have a new product coming soon which beats anything else on the market for high LTV cases.

Second charges. Are you being Misled?

Though it’s not the most pleasant thing to acknowledge, as a magazine contributor, it’s certainly the case that a large majority of people will only read the headline of a news story or article.

Just announced – BTL’s – no consent

We just want to tell you about this new second charge product which has come out today.

Why Brokers are needing to diversify

Recent research conducted by Legal and General Mortgage Club has revealed that over 80% of brokers will look to diversify their business models and income streams

Sometimes a second is just easier

Just for a change, rather than tell you about the niche products we offer, here are some more straight forward examples of large recent second charge cases.

80% bridging – now live

We gave you advanced notice two weeks ago and we are now more comfortable to accept volume business.

The effects of GDPR

If you need a positive shot in the arm here’s some of the more positive news which is circulating.

New plans and rate reductions – second charge

West One has revamped their second charge product range with lower rates, higher LTV’s and more flexibility.

More options for complex mortgages

We just want to remind you how we can help place your complex or poor credit mortgages

95% purchase – failed credit score

We are seeking opinions on how useful this new product would be to your clients and plan to release it first to Promise’s registered brokers.

GDPR – it may change your process

Just a quick heads up on how some lenders are dealing with GDPR.

Complex mortgages – a common sense lender

I want to let you know about an exciting new First Mortgage lender recently added to our panel.

Buy to let update

BTL funding seems to be on the increase again – quite a lot of home improvements to increase the rental yield.

BTL loans post PRA

We are having a bit of a push on Buy to Let loans as we are seeing increasing success from this sector.

New high LTV lender today

Just a quick update on a new lender to offer high LTV secured loans – Optimum – 95% LTV.

Easy commercial loans for your clients

We received a lot of enquiries for this new service so here is a reminder.

New lender in Scotland

We are writing to our Scottish brokers with details of a new lender.

HMO second charges – rate reduction

Just a quick note for a Friday afternoon – probably Monday by the time you read this.

Working in a post GDPR World

Now that the General Data Protection Regulation (GDPR) has finally come into effect

Bridging – LTV’s to 80% – Rates from 0.43%

Here’s just a quick update on our popular short term products at the moment.

Development – cheaper, easier and very profitable

Do you ever get enquiries from clients to assist with development opportunities?

Commercial Finance Options

Quite a few of our brokers have switched on to making easy money by spotting and referring commercial mortgage enquiries.

Second charge rate reductions

Just a quick update on the second charge front

Exclusive – 90% LTV mortgage with adverse

We have a fantastic new product which we really think you need to know about.

Refurbishment rates reduced

If you deal with refurbishment enquiries, we have just had a significant rate drop from Shawbrook.

Can we get ahead of the game?

If you are going on holiday soon, do you have any second charge cases you want me to look at for you now?

Still Work to do on Seconds

Accord to research by SimplyBiz Mortgages, only 15% of mortgage broker are not involved in the second charge market at all.

Complex BTL

Can we help you out with any BTL cases you are struggling with?

CPD – 100% LTV second charge lending

There has been an update on our high LTV second charge plans.

Placing unusual cases

To help you spot those quirky second charge opportunities here are a few recent scenarios which might help you.

Mortgage for DMP cases

Do you have clients in an active Debt Management Plan?

High LTV development finance

Do you have development clients with capital tied up in completed projects?

Are Mortgage brokers engaging with second charges?

It’s been a key question in the mortgage industry since MCD was introduced

Uncertainty where there should be none

We live in uncertain times. None of us have any idea how Brexit will pan out, if at all.

Equity release second charge and new lending options

One of our most flexible second charge lenders has just reduced its rates by up to 2% and introduced a range of new features.

Bridging products brokers forget

We want to remind you about a couple of special bridging products.

New lowest second charge rate

Further to our blog post yesterday, we have an important rate reduction for you.

Rates reduced on high LTV cases

After a quiet summer, second charge lenders are making improvements.

Help to Buy with adverse credit

We have this brilliant new help to buy mortgage product which is available from today.

New lender launched in Scotland

A new complex first charge mortgage lender has just launched in Scotland which we thought you may find useful.

Scotland – new credit repair lender – as promised

As promised, here is a criteria overview for another of our specialist lenders which has now launched in Scotland.

We are not stalking you – Really..

there’s a lot happening with second charges to tell you.

Specialist mortgage rates reduced

Reduced rates for those quirky / complex purchases and remortgages – see below.

Complex loans – now 1% lower

We know we’ve bombarded you recently with good news about second charges.

Helping you convert commercial enquiries

How many of your clients are self employed or business owners?

Scratching your head?

We don’t want you to forget us – or those little second charge niches which can sometimes be so useful.

New mortgage lender

We have a new and very “nichey” mortgage lender for you.

Latest product roundup

Here’s a summary of October’s positive changes in the second charge market.

Our new lowest rate ever

We have made some significant changes to our second charge range and introduced a NEW lowest rate on the market with some other great features.

New Lender – complex commercial

Take a look at this new product for your self employed / business clients who want a commercial mortgage

New Fixed rates – with no ERC’s

We want to make sure you didn’t miss the cheapest second charge we launched last week?

Second charges: solving the generational divide

At present the mortgage market stands at something of a generational divide and it’s one that could have considerable implications for the second charge market.

How a high LTV lender could help you

If capital raising with a high LTV remortgage is tricky, see how high LTV second charges might help people now

Busting the ‘second charges = hassle’ myth

One of the biggest misconceptions I hear when speaking to brokers is that offering seconds is too much hassle.

Don’t miss out on Developments

We are looking to assist you with any development cases your clients pass to you

Together improve their products for Together Plus partners

Together Money, one of the UK’s leading specialist lenders has introduced preferential rates for selected partners which coincide with the founding business turning 45 years old.

Financing B&B’s – projections and goodwill

Most commercial lenders tend to just look at the bricks and mortar value of B&B’s, hotels etc

Limited near prime mortgage – free valuations and no product fees

New Limited near prime mortgage – free valuations and no product fees. Have you seen the latest from Pepper?

Secured Loan Repayment Calculator

Estimate your monthly repayments and apply for a secured loan from Promise Money.

Bad Credit Secured Loans Explained

WATCH: Bad Credit Secured Loans Explained

Do you need a Mortgage Broker?

WATCH: We explain why you might need a Mortgage Broker.

Funding for healthcare

looking to raise a loan or mortgage in the Health Care sector?

Why choose a Mortgage Broker?

WATCH: We explain why you might need a Mortgage Broker.

Declined for a remortgage?

If you struggle to get a remortgage – Promise Money might be able help you find the right deal.

How regulations protect you

If you struggle to get a remortgage – Promise Money might be able help you find the right deal.

What affects my borrowing rate?

Some common factors that dictate your rate of borrowing.

What is a bridging loan?

All about bridging loans and when is the right time to consider using one.

Uses of commercial finance

Some uses for a commercial loan that may really help your business take off.

Types of commercial loan

Everything you need to know about commercial loan types.

Good and bad with bridging loans

Considering using a bridging loan? …the questions should you ask your advisor.

Regulatory protection for bridging borrowers

Find out about the protection provided by the Financial Conduct Authority.

How much can I borrow?

Find out what governs the amount that you can borrow.

Types of secured loan

Everything you really need to know about types of secured loans.

Regulated bridging mortgage illustrations

Need help decyphering your mortgage illustration document (ESIS) ?

Typical uses of a secured loan

How people use secure loans to do and get the things they want.

Mortgage product variations

Explore the various repayment methods and features available with first mortgages.

Good and bad with secured loans

Getting the right advice is key to avoiding a bad situation.

Regulatory protection for consumers and BTL

Protection provided by the FCA for consumers and buy-to-lets.

Tax Changes for Landlords

Fundamental changes to the tax system that landlords should be aware of.

What is a secured loan?

So what exactly is a secured loan, and how might it help me?

Fix your mortgage rate for 10 years

Fix your mortgage rate for 10 years. We think this rate is amazing – check it out!

Here is where a large loan might help you

Why are Secured loans so big these days.

Fixed rates mortgages with no early repayment charges

Have you heard about the new Flexible Fixed Mortgages Take a look and please share it.

Getting a homeowner loan with Court judgements (CCJ’s) or defaults

Getting a homeowner loan with Court judgements (CCJ’s) or defaults

Time for a better mortgage rate?

Is your fixed rate mortgage about to end? It’s time to shop around.

Personal homeowner loans for tax

It’s that time of year again – time to pay our tax.

Loans and Mortgages for Self Employed

One in six of UK workers are now self employed.

So much choice for business owners and self employed

My My – what a great time for self employed and business owners to take out commercial mortgage or business loan

This is for any property investors thinking of bridging finance

This is for any property investors thinking of bridging finance

Lowest interest rates ever is now the time to borrow

Lowest interest rates ever – is now the time to borrow?

What if you can’t pay your bills due to Coronavirus?

What if you can’t pay your bills due to Coronavirus?

Deals on commercial business loans

High street Commercial Mortgage deal – switching lender or need to raise capital

Great News for first time buyers

Great News for first time buyers

Some positive signs

If you need a positive shot in the arm here’s some of the more positive news which is circulating.

Common questions about Coronavirus Business Loans (CBIL’s)

Questions and answers related to the UK Government’s COVID-19 / Coronavirus Business Interruption Loans Scheme