Scratching your head?
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
Scratching your head?
We don’t want you to forget us – or those little second charge niches which can sometimes be so useful.
So we thought you’d appreciate a reminder of what other brokers are finding particularly helpful at the moment.
See below:
Self employed
Need to work on projected accounts? – rates from 3.69%
Contractors
Recently gone contracting – previously employed in a similar role – don’t need accounts.
Debt consolidation
Large loans – 100% debt consolidation no problem.
You can just refer – we do everything (A.R.s as per your networks process).
High LTV
100% LTV – clean cases – 12%
100% LTV with adverse – 14% to 16%
- 4 current mortgage arrears allowed, max 3 missed in last 12, last two payments made.
- Max 3 months unsecured arrears in the last 12 – communications, mail order and utilities are ignored
- No CCJ’s or defaults in last 6 months. 6 to 24 months max 3 units with max combined value of £5000
- Bankruptcy, IVA and Debt Management plans on referral
90% available from 11%
80% from 5.8%
75% from 4.95%
Heavy adverse
75% LTV
Unlimited arrears and CCJ’s accepted.
Last two mortgage payments missed
Security can be residential or BTL
Arrears on other properties owned are accepted
Loans up to £150,000
Latest Articles
Whole-of-Market Guidance for Complex Borrower Solutions
Securing competitive terms on complex borrower solutions requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your complex borrower solutions 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: Complex Borrower Solutions 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.
Key Criteria & Application Guidance
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.
Meanwhile, loans from £10,000 to £2,500,000 are available over flexible terms ranging from 3 to 30 years.
Indeed, rapid decision turnaround gives you the confidence to plan major financial commitments without unnecessary waiting.
Finally, clear illustrations provide total transparency regarding interest rates, lender fees, and total repayable amounts.
Unlike high street banks, specialist secured lenders take a common-sense approach to complex income and contractor earnings.
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.