New products from secured loan lenders – large loans at low rates
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New products from secured loan lenders
These homeowner loans are now live on the Promise sourcing portal – alongside the other 17 secured lenders. There are useful niches within the new criteria from Prestige including mild adverse at higher LTVs, a low rate starting at 6.75% and an affordability calculation which will benefit some borrowers. Loans are also available up to £75,000 at 75% LTV with a current mortgage arrear at 10.9%. Previously this may have been a reduced offer with Blemain.
By way of background, Prestige previously operated in the adverse sector. Since becoming part of the Onesavings Bank PLC group, the products have become much more mainstream and will offer alternatives to Shawbrook, Masthaven, Blemain to name a few. I also expect Prestige to pick up cases which fail the Nemo score, especially with a competitive rate at lower LTV’s.
Our relationship with Prestige goes back many years and the service when processing cases has always been very good. As the team is unchanged I expect this to continue for the foreseeable future.
There is a bit of a bun fight developing in the 60% LTV to 75% LTV market which is good news for borrowers and brokers.
However, don’t forget the products available at higher LTV’s including unsecured loans up to £25,000 at 8.8% APR.
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Whole-of-Market Guidance for Large Low Rate Secured Loans
Securing competitive terms on large low rate secured loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your large low rate secured loans 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: Large Low Rate Secured Loans 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.
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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.