High LTV Secured Loans
New high LTV lender today
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
New high LTV lender
Just a quick update on a new lender to offer high LTV secured loans – Optimum – 95% LTV.
You are likely to find this suitable where you want to protect your client’s low mortgage rate.
Capital raising with a second charge at a higher LTV rate will probably be cheaper than remortgaging the whole amount.
High LTV options include:
Optimum – 95% LTV. Launched today
- Max loan £100,000
- Minimum valuation £85,000
- Rates circa 8% to 10% – subject to score.
- Generally aimed at good credit borrowers
Equifinance – 100% LTV
- Max loan £35,000
- Rates from 11%
- Some missed payments accepted on unsecured credit
- CCJ’s, defaults and arrears over 12 months considered
- No credit score
- Ideal for unsecured loan turn downs
Higher levels of adverse credit or quirky scenarios?
Latest Articles
Whole-of-Market Guidance for High Ltv Loan Lenders
Securing competitive terms on high ltv loan lenders 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 loan lenders 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: High Ltv Loan Lenders 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.
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.