testimonials_2

Talk to an in house expert

Thousands of tailor-made options available.
One enquiry, one company, massive choice

Secured Loans Tips & Ideas

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 […]

Fixed rate mortgage customers – Borrowing more £’s

Fixed rate mortgages have been popular for several years now with many borrowers valuing the stability and certainty they offer. Customers wanting to raise more money should explore the merits of applying to their mortgage lender. However other options do exist and should also be considered as the deal available from the mortgage lender might […]

Contract / agency workers and probation

Contract workers technically are self employed but don’t have a business which does anything other than hires out their time. Moving from contract to contract means you don’t appear to have the stability that some second charge lenders like when in fact your income maybe more secure than an employed person simply because you can […]

BTL loans and tax advice

If you are a landlord you will probably know that recent legislation is making it more complicated for Buy to Let landlords to borrow, less tax efficient and more costly. Secured loans are often used for a deposit to buy another property or to refurbish one which is already owned. We have a wide range […]

Self employed 6 months?

Most mortgage lenders will want to see at least two years trading figures, a few may accept one year but this will be reflected in the rate they offer. However, there are secured second charge lenders which will accept borrowers who are only self-employed for 6 months and they will offer a self-employed secured loan […]

Low rates even with CCJ’s or Default’s

The high street lenders don’t like CCJ’s and defaults. However our lenders regularly accept them and the interest rates may be just the same as for someone with a clean credit history. For example, if you have a few recent small CCJ’s / defaults for just a few hundred pounds, many lenders will ignore them […]

Best rates with mortgage arrears

Mortgage arrears are seen by lenders as a good indication of whether borrowers are likely to have problems in the future. However anyone can have a blip in their credit for a few months so it’s useful to know what lenders will consider. In the mortgage market lenders tend to look at arrears in the […]

Home improvements – Don’t slip up

A lot of people get caught out and realise part way through major home improvements that they need to raise extra cash. Here’s a few tips. Your house may be in lovely condition but as soon as you start knocking it about its value goes down before it goes up. If you have a half […]

Debt consolidation – Get advice

One of the most common uses of secured loans is for some form of debt consolidation and whilst it may be tempting, as the TV adverts used to say, to “consolidate all of your credit in to one convenient monthly payment”, there is more to think about than that. Part of our adviser roles is […]