Latest product roundup
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
Latest product roundup
Here’s a summary of October’s positive changes in the second charge market.
If you want us to relook at cases you have submitted previously (or elsewhere) please let us know as lower rates and criteria changes could mean they now fit.
The key changes are:
- UTB rates reduced on higher LTV cases – 75% LTV from 4.95%
- West One reduced leading rate by 1.5% to 3.79% – Now even better for your tight affordability cases
- Prestige reduced leading rate to 3.69%
- Plus accountants certificate accepted up to 85% LTV if only 1 year available
- New Near Prime product from 4.99%
Together – reduce Prime rate to 5.34%
- Ex council flats – including high rise
- RTB purchases – ignore all pre-emption discount
- Shared ownership
- Non standard construction, defective or poor remarks on the valuation
- Zero hours contracts
- Interest only
- Matrimonial settlements
- Using all ongoing benefit income
- 4 way applications
- Income verified by accountant’s projection
We are keen for a strong run in to Christmas so you have payouts in the pipeline for the New Year.
Latest Articles
Whole-of-Market Guidance for Specialist Loan Product Roundup
Securing competitive terms on specialist loan product roundup requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your specialist loan product roundup 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: Specialist Loan Product Roundup 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.
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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.