Your flexible friend
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
Your flexible friend
If you are looking for flexible lending, then please talk to us about our range of second charges.
With more lenders than our competitors and our manual underwriting, we aim to provide you, and your clients, with better rates, more acceptances and where possible surpass anything available on any sourcing system.
Here are a few second charge examples where the rates could be far lower than you expect:
- Applicants had 2 CCJ’s in early 2017 – £1750 and £3000. They managed to pay off the CCJ’s recently and we negotiated a rate of 3.9%
- A couple had 5 months mortgage arrears last year but have paid regularly since then and brought them up to date a few months ago. They qualified for a rate of 3.9%. Had their credit score been higher it could have been 3.73%
- Borrowers were in an existing IVA and wanted to pay off the IVA and repair their credit.
Historically lenders were offering around 10%. We placed this on referral at 5.99%.
Don’t Forget
If you can’t place a capital raising remortgage, please call us – We hope you will be pleasantly surprised.
If the remortgage rate you can get is high – let us see if a second plus the existing mortgage is cheaper.
Many of our lenders don’t have LTI caps – so based on affordability we are placing many cases declined by other specialist credit brokers.
Please call or email us with any queries you may have.
Latest Articles
Whole-of-Market Guidance for Flexible Secured Loans
Securing competitive terms on flexible secured loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your flexible secured loans 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: Flexible Secured Loans 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.
Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.
Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.
In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.
Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.
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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.