High LTV Secured Loans
Higher LTV’s and lower loan rates from Blemain
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
Higher LTV’s and lower loan rates
We have some improved Blemain terms to share with you. Given this is good news for all brokers,
Some of these changes are significant and give us higher LTV’s, some lower rates and ignore ERC’s from the equity calculation. Blemain is particularly useful for business loans, poor credit, self employed and bridging loans.
The key changes are as follows:
NEW Mortgage Reference and Redemption Figure Bypass Scheme
This is a big bonus – on all CCA loans up to £50K, Blemain will now rely on the Equifax search to establish the amount owing on the mortgage for equity purposes. If there are ERC’s, these will now be ignored. This will speed up the process and effectively gives us more equity to play with where there are high ERC’s on the first mortgage. Note – on BTL’s and loans over £50K, Blemain will still work on the redemption figure for equity purposes.
Prime Plans:
New plan up to 77.5% LTV – max loan still £50K gross
LTV increased to 67.5% on ‘B’ type properties – previously 65%
Reduced rates: rates from 10.95% to 10.29% below 55% LTV
Key Criteria & Application Guidance
Light Plans:
1 demerit plan allowed up to 75% LTV (previously 70%) and rate reduced to 11.39%
Medium Plans:
NEW PLANS introduced – 4 Demerit plans up to 70% LTV (previously 65%)
New services
Electronic Identification – (EID)
Blemain have launched a prototype EID in Blemain Finance for certain specialist credit brokers. This will in most instances fulfill the Know Your Customer (KYC) requirements as part of the online credit search process.
As this is a prototype Blemain will carry out random audit checks on ‘pass’ decisions’, so may require the full KYC documentation in some instances, however they expect this to be less than 1% of cases.
Latest Articles
Whole-of-Market Guidance for High Ltv Lower Loan Rates
Securing competitive terms on high ltv lower loan rates requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your high ltv lower loan rates 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: High Ltv Lower Loan Rates 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.
In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.
Above all, borrowing against your home equity typically offers lower monthly repayments than short-term unsecured credit.
As a result, homeowners retain complete financial control and enjoy clearer, more manageable single monthly commitments.
After all, independent whole-of-market advice ensures you never pay unnecessary broker fees or inflated interest rates.
Meanwhile, loans from £10,000 to £2,500,000 are available over flexible terms ranging from 3 to 30 years.
Add Promise Money as a Preferred Source
Want fast, expert guidance on UK property finance? Set Promise Money as your trusted source to prioritise our specialist rate guides, market updates, and mortgage analysis in your Google Search and AI results.
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.