Broker & Intermediary Briefing

Large secured loans £30000 to £50000

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Large secured loans

Large loan update – better products to help leave the existing mortgage in place.

The size of large secured loans available has increased recently and we have seen a big uplift in large loans. This is particularly attributable to Shawbrook which will readily accept a £50000 secured loan but will now lend up to £200,000 and also has rates available from 6.9%. Previously the main option for large loans was Blemain with rates from 10.9% so it is now much more attractive to explore a secured loan rather than remortgaging, especially if you can avoid losing a beneficial mortgage deal or suffering high ERC’s. Particularly with Shawbrook, there is the added benefit of minimal ERC’s (28 days notice and £195) and the ability to over pay.

For the larger loans and best rates, Shawbrook will be looking for borrowers with plenty of equity and a very clean credit profile which is fair enough given the loan amounts and excellent rates on offer. However the new £200K loan is also available to self employed borrowers who can prove income with an accountant’s reference and loans up to £125,000 are available based on bank statements to prove self employed income.

We have many other options for borrowers who have adverse, limited income, are over age 70 and much more. So if you have clients who don’t want to jeopardize their existing mortgage rate, please consider that there are even more choices available to raise additional borrowing via a secured loan.

Key Criteria & Application Guidance

Below is a summary of the main secured loan USP’s

Rates from 5.9%
Interest only loans
Bridging loans regularly turned around in 1 week
2nd charge loans from £5k to £3million
No accounts – up to 85% LTV with bank statements. Rates start at 7.9%
Self cert with back up also available
Business loans based on income projections or bank statements
Historic CCJ’s and Defaults can be ignored so no impact on rate or criteria
Normal income multiples (6X income) ignored if income & expenditure stacks up
Benefit income, pensions, part time and cash in hand income accepted
Loans for business purposes, to clear IVA’s or pay off tax bills
BTL properties can be used as security as well as many non standard constructions
borrow up to age 80

Please call us to discuss your large loan requirements. Also we are placing many large cases where the loan is for business purposes, there is adverse credit or proving income is difficult.

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Intermediary Guidance for Large Secured Loans 50K

Structuring competitive terms on large secured loans 50k for your clients requires direct access to specialist underwriters. In addition, our intermediary lending desk works directly with over 90 specialist lenders across the UK.

Consequently, partnering with Promise Money ensures whole-of-market broker access, transparent procuration fees, and rapid decisions in principle for your client cases.

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.

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Key Takeaways: Large Secured Loans 50K Broker Briefing

Additionally, partnering with Promise Money gives intermediaries whole-of-market access across 90+ specialist second charge lenders.

Furthermore, direct access to our specialist underwriting desk protects client relationships while guaranteeing transparent and competitive proc fees.

Consequently, complex borrowing scenarios—including high LTVs, adverse credit, or complex income—are structured efficiently without delays.

Therefore, introducers can submit case details directly online or via phone to secure rapid Decisions in Principle.

Specifically, second charge homeowner facilities are assessed with commercial speed to meet critical funding deadlines.

Moreover, comprehensive lending criteria checklists ensure client applications are fully structured prior to lender submission.

In addition, dedicated underwriter communication guarantees updates at every milestone from enquiry through to completion.

Crucially, keeping existing low-rate primary mortgages completely untouched saves your clients thousands in remortgage penalty fees.

Understanding Market Rates & Repayment Terms

In practice, our intermediary team handles valuation queries and legal liaisons so you can focus on client advisory.

Above all, whole-of-market access allows you to place non-standard cases that mainstream high street lenders routinely decline.

As a result, your brokerage delivers reliable capital-raising solutions even for complex homeowner borrowing requirements.

After all, working with an established specialist credit broker with 35+ years experience protects your professional reputation.

Meanwhile, dedicated broker portal tools provide real-time tracking on survey sign-offs and fund disbursements.

Indeed, high LTV options up to 100% or more allow clients to unlock needed capital without moving home.

Finally, dedicated support ensures buy-to-let second charges and commercial referrals complete without administrative friction.

Unlike traditional broker networks, Promise Money requires zero membership fees or exclusive volume commitments.

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