High LTV Secured Loans
CPD – 100% LTV second charge lending
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
CPD – 100% LTV second charge lending
There has been an update on our high LTV second charge plans.
The criteria will probably amaze you and may be of benefit to one of your clients at some point – if not why not keep our blog posts to boost your CPD file.
Key points:
- 100% LTV at 12.0% – max loan £35,000
- 100% LTV with adverse – 14% to 16% – 4 current mortgages arrears allowed, max 3 missed in last 12, last two payments made.
- Max 3 months unsecured arrears in the last 12 – communications, mail order and utilities are ignored
- No CCJ’s or defaults in last 6 months. 6 to 24 months max 3 units with max combined value of £5000
- Bankruptcy, IVA and Debt Management plans on referral
90% available from 11% Ex local authority accepted – flats & maisonettes max 5 storeys in the block England and Wales only
These products won’t suit all but if the alternative is a high rate unsecured loan (rate 50% to 1000%) then 12% looks fairly attractive.
Remember – no other specialist credit brokers gives you more second charge products
Latest Articles
Whole-of-Market Guidance for 100 Ltv Second Charge Lending
Securing competitive terms on 100 ltv second charge lending 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 charge lending 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 Secured Loans 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 Charge Lending 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.