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Declined Mortgages

Your bank may offer 100’s of products and plans.
Promise Money has over 10,000

Why choose us?

Your bank may have 100’s of loan and mortgage plans – we have over 10,000!

Plus, we have…

  • 30 years of experience
  • Experts at finding low rates and solving problems
  • Friendly and fast advice

Promise Money have mortgage and secured loan plans available for everyone, including those with credit issues…

Using one of the most comprehensive lending panels in the UK, we can search for the best deal for you.


Have you been declined for a mortgage or remortgage?

If you struggle to get the mortgage you want – you have come to the right place. Promise truly offers a one stop shop.

It’s often assumed that a mortgage is cheaper than a loan. But if you are looking to raise extra cash a loan could cost you less, especially if your circumstances prevent you from borrowing at the very best mortgage rates – more on typical circumstances below.

Typically mortgage lenders are also fussier than secured loan lenders. So if you are looking to raise additional cash a secured loan may be both easier and cheaper.


Our lenders represent the whole market plus we have an in house team specialising in more difficult applications.

It doesn’t matter if the mortgage is residential, a secured loan, a buy to let, HMO, bridging or commercial we have experts in the office to assist and advise you. They use their expertise and relationships to help brokers across the UK who can’t find a suitable mortgage for their clients.

You can deal direct and cut out the middleman.


Find a mortgage

Enter some details and we’ll compare thousands of mortgage plans – this will NOT affect your credit rating.

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2 out of 3 borrowers get a lower rate than our representative example of a regulated secured loan below:

Mortgages and Remortgages

Representative example

£80,000 over 240 months at an APRC OF 4.3% and a discounted variable annual interest rate for two years of 2.12% at £408.99 per month followed by 36 payments of £475.59 and 180 payments of £509.44. The total charge for credit is £39,873 which includes a £995 broker / processing fee and £125 application fee. Total repayable £119,873.

Secured / Second Charge Loans

Representative example

£63,000 over 228 months at an APRC OF 6.1% and an annual interest rate of 5.39% (Fixed for five years – variable thereafter) would be £463.09 per month, total charge for credit is £42,584.52 which includes a £2,690 broker / processing fee. Total repayable £105,584.52.

Unsecured Loans

Representative example

£4,000 over 36 months at an APR OF 49.9% (fixed) and an annual interest rate of 49.9% would be £216.21, total charge for credit is £3,783.56. Total repayable £7,783.56.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


If you have been introduced to Promise Money by a third party / affiliate, Promise may pay them a share of any fees or commission it earns. Written terms available on request. Loans are subject to affordability status and available to UK residents aged 18 or over. Promise Money is a trading style of Promise Solutions Ltd. Promise Solutions is a broker offering products which represent the whole of the specialist second mortgage market and is authorised and regulated by the Financial Conduct Authority – Number 681423.

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