High LTV Secured Loans
Second charges at 100% LTV
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Second charges at 100% LTV
Evolution have released a cracking new product for certain quirky / high LTV scenarios.
Rates have now dropped on 100% LTV second charge to a level which makes them hard to ignore.
If equity or first mortgage consent has been a problem in the past this latest product from Evolution Money should be a welcome addition to your toolbox as follows:
- 100% LTV
- Maximum loan £20,000
- Rate 12.7%
- First, second or third charge is accepted
- Adverse credit plans available – still at 100% LTV but higher rate
- No physical valuation carried out – desktop only
- Standard 1 month ERC’s
- Consent not required from the first mortgagee
If you have not spoken to your underwriter recently, please call so they can update you on our latest compliance and quoting tools. Especially ask about Active Management.
Promise truly gives brokers more choice and offers services which our competitors dream of.
Latest Articles
Whole-of-Market Guidance for 100 Ltv Second Charges
Securing competitive terms on 100 ltv second charges requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your 100 ltv second charges options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Specialist Lending Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: 100 Ltv Second Charges Checklist
Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.
Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.
Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.