Learn more about help to buy on previously owned properties
Solutions you wont find on sourcing systems
Solutions you wont find on sourcing systems
I have a promotion at the moment for your non standard cases. Let us package your cases for £99 and you still get a 0.35% proc fee
Dudley Building Society is great for placing quirky cases and I am based only 15 minutes away from Dudley so have face to face access to their underwriters. The service is now great.
Here are some of the main areas where we can get you great results from the Dudley:
- No income multiple caps
- No credit score
- No upper age limit
- Interest only / C&R – downsizing an option
- Joint mortgage – sole proprietor
- Expats – foreign currency income – more options
- RTB
- Historic arrears / adverse
- 100% debt consolidation
- Lodger income accepted
- 100% of second income and most benefits
- Guarantor purchases – don’t need to be related or go on title deeds – no stamp duty?
We find Dudley tick many boxes so can accept cases with multiple challenges which other lenders won’t accept
Please give me a call if you have a case like this or send over a DIP form
Dudley will only accept business via a packager and of course I have many other specialist lenders to consider if Dudley isn’t suitable.
01902 585052
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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.