If you would like to consider loan options, we'll introduce you to specialists who can provide you with advice on Secured Loans & Commercial Loans through a varied panel of lenders to find the right one for you.

Secured Loans

These loans are secured against property and are invariably registered as a secured charge behind the client's primary mortgage. However, buy-to-let schemes are also available. They can be used for almost anything, including debt consolidation, home improvements or even a holiday.

Very often a secured loan is more suitable where a customer would face a substantial early repayment charge should they re-mortgage. This may also arise if a client moves from a high street lender to a sub prime lender due to recent poor credit.

Credit problems are not always the reason a secured loan might be most appropriate for you. It is an increasingly convenient way for high net-worth clients to generate substantial sums of money quickly, with the rates often being lower than expected.

Self-certification schemes are also available when required, as well as plans offering 100% of the property value. Loans are generally available from £5,000 to £250,000 over a 5 to 25 year term, on a repayment or interest only basis, other features include ~

• Buy To Let Properties acceptable up to 80% LTV
• Self Employed clients accepted up to 95% LTV
• All circumstances considered
• Pre emption ignored on ex-council properties
• Foreign nationals acceptable
• Minimal mortgage history

The Financial Services Authority does not Regulate Personal and Unsecured Loans.

Commercial Loans

Whether you are starting up, considering buying an existing business, or seeking to expand and need larger premises - a decision as important as buying a new property means that you need to be confident that the finance you take out is right for you, and that can only happen when you have a genuine choice.

We are unable to provide you with advice on commercial mortgages. We can however introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice in this area.

The Financial Services Authority does not regulate most commercial mortgages.

Loan Advice
If you would like to discuss your secured loan or commercial loan requirements with a specialist adviser, call us on 01522 540555 or simply fill in the enquiry form