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Secured Loans Tips & Ideas

Got a mortgage and a secured loan already? Consider a 3rd charge.

You may have a great deal on your mortgage and existing secured loan so paying either of them off to raise extra capital won’t always be possible or in your best interests.[…]

Payday loans – reduce your chances of borrowing

There is talk around the finance industry that an urban myth is emerging – namely that Payday Loans help rebuild your credit profile. Don’t believe it. […]

CCJ’s don’t stop you borrowing

If you have received a CCJ don’t worry too much – the numbers issued have doubled since 2012 and last year topped 1.2 million. You are not alone.[…]

Estimate your loan payments

You can now estimate your likely secured loan repayments with the new calculator on our website.[…]

4 ways second charges offer solutions – Affordability

When a mortgage is declined due to failing affordability checks, there are a number of ways second charges can offer a solution. […]

How secured loans can help with BTL capital raising?

In September 2017, the Prudential Regulation Authority changed the way BTL mortgages enquiries are underwritten, making it more difficult for BTL portfolio landlords to raise finance for capital raising. However there are some second charge loan solutions which may provide an alternative. […]

Secured Loans for business investment

Picture this scenario: A married couple are both currently employed. One applicant decides to start a new business so they jointly apply for a remortgage to raise the finance required. […]

What to do with a rejected remortgage application?

In some cases borrowers who have been rejected for a remortgage may benefit from “niche underwriting criteria” available from 2nd mortgage lenders. Some examples follow. […]

Promise Money better by over £40,000

In this case study we highlight an example of a Promise Money loan being lower than a competitor’s quote by over £40,000. […]

Raising finance on an unmortgageable property

The Daily Mail recently reported that homeowners in London borrowed on average almost £50,000 for home renovation. It’s true that homeowners in recent years have favoured improving their current home over moving to another property. However, it is becoming much more difficult to budget for these home improvements and often the money raised may not […]