Category: Specialist lender directory

United Trust Bank

About United Trust Bank was incorporated in 1955 and are authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. UTB is a specialist bank that provides a wide range of secured funding facilities and deposit accounts for individuals, business and charities. UTB offers a range of secured funding options including specialist mortgages, […]

Products availabe:
Second charge mortgages, development finance, bridging loans
Loan sizes:
up to £250k
Loan terms:
3 to 30 years
Best available rate:
3.65%
Best availabe LTV:
85%
Minimum age accepted:
18
Employment status:
employed, self-employed trading for at least 2 years & retired
Credit assessment:
CCJs, defaults, missed secured arrears

Together

Together - second charge lenders

About are a specialist lender, offering short-term finance, bridging loans, first charge and second charge mortgages, commercial and buy-to-let mortgages. Together have been operating since 1974 through Blemain Finance, Lancashire Mortgages, Cheshire Mortgages and Jerrold Holdings before rebranding as Together in September 2015. They have been named in The Sunday Times Top Track 250 on […]

Products availabe:
First charge mortgages, second charge mortgages, bridging loans, commercial mortgages.
Loan sizes:
up to £1m
Loan terms:
3 to 30 years
Best available rate:
6.65%
Best availabe LTV:
77.50%
Minimum age accepted:
18
Employment status:
employed, self-employed, contractors & retired
Credit assessment:
CCJs, defaults, missed secured arrears, IVAS, DMP & bankruptcy

Step One Finance

Stepone Finance

About Established in 2010, Step One is a specialist lending that offers consumer finance in form of personal loans, guarantor loans and homeowner loans. Based in Woking, Surrey they are members of the Finance & Leasing Association have completed over £50,000,000 in loans. While their max loan is £150,000 when going directly they will lend up to […]

Products availabe:
Second Charge Mortgages
Loan sizes:
up to £150k
Loan terms:
6 to 30 years
Best available rate:
6.90%
Best availabe LTV:
95%
Minimum age accepted:
21
Employment status:
employed, self-employed trading for at least 2 years & retired
Credit assessment:
CCJs, defaults, missed secured arrears, IVAS, DMP & bankruptcy

Spring Finance

Spring Finance

About Spring Finance is a specialist provider of residential second charge mortgages lending to customers who are unable to obtain finance from the high-street lenders. Their simple, no-nonsense second charge mortgage product range has been designed to make finance available to those considered outside of the normal criteria. They are no set upper limits on […]

Products availabe:
Second Charge Mortgages
Loan sizes:
up to £100k
Loan terms:
3 to 30 years
Best available rate:
11.25%
Best availabe LTV:
70%
Minimum age accepted:
18
Employment status:
employed & self-employed trading for at least 1 year
Credit assessment:
CCJs, defaults, missed secured arrears, IVAS, DMP & bankruptcy

Shawbrook Bank

Shawbrook Bank

About Shawbrook is a specialist UK savings and lending bank founded in 2011 offering a wide range of lending and saving products for small business and individuals. By the end of 2016, they had lent out more than £4.1 billion and raised more than £3.9 billion in deposits. Through their network of intermediaries, they will […]

Products availabe:
First & second charge mortgages, business finance, commercial mortgages.
Loan sizes:
up to £1m
Loan terms:
3 to 25 years
Best available rate:
5.40%
Best availabe LTV:
95%
Minimum age accepted:
18
Employment status:
employed & self-employed trading for at least 1 year
Credit assessment:
CCJs, defaults, missed secured arrears

Prestige Finance

Prestige Finance

About Prestige Finance claims to be the longest established second charge lender in the UK and is now part of OneSavings Bank Plc group having been acquired in September 2012. Starting life as a loans management company, Prestige has grown consistently since the mid-1980’s but have always specialised in second charge loans. They lend exclusively through the […]

Products availabe:
Second charge mortgages
Loan sizes:
up to £2.5m
Loan terms:
3 to 25 years
Best available rate:
4.15%
Best availabe LTV:
90%
Minimum age accepted:
21
Employment status:
employed, self-employed trading for at least 2 years & retired income accepted
Credit assessment:
CCJs, defaults, missed secured arrears

Precise Mortgages

Precise Mortgages

About Precise Mortgages is part of Charter Court Financial Services which includes Charter Savings Bank who have a savings balance of over £4bn and is their main source of lending. Precise Mortgages offer secured lending in the form of residential and buy to let mortgages, bridging loans and second charge loans through their nationwide network […]

Products availabe:
Second Charge Mortgages
Loan sizes:
up to £500k
Loan terms:
3 to 25 years
Best available rate:
4.25%
Best availabe LTV:
85%
Minimum age accepted:
18
Employment status:
employed & self-employed trading for at least two years
Credit assessment:
CCJs, defaults, missed secured arrears

Mercantile Trust

Mercantile Trust

About Mercantile is part of the Norfolk Capital Group of companies that have been providing secured loans since 1988. Operating within the unregulated buy-to-let space Mercantile Trust offers competitive first and second charge mortgages up to £500k in England, Wales and mainland Scotland. They also offer commercial mortgages, bridging loans and finance through their network of intermediaries. […]

Products availabe:
Buy-To-Let 1st & 2 nd Charges
Loan sizes:
up to £500k
Loan terms:
3 to 25 years
Best available rate:
8.99%
Best availabe LTV:
75%
Minimum age accepted:
18
Employment status:
employed, self-employed & retired
Credit assessment:
CCJs, defaults, missed secured arrears

Masthaven bank

About Masthaven have been lending since 2004 but in 2016 they awarded a banking licence and started to take savings/deposits. Based in London they are recognised as a challenger brand providing excellent saving and lending rates and pride themselves on their human-digital underwriting processes. They use technology to streamline the application processes but trust their […]

Products availabe:
First charge mortgages, second charge mortgages, development finance, bridging loans
Loan sizes:
up to £500k
Loan terms:
3 to 35 years
Best available rate:
4.24%
Best availabe LTV:
75%
Minimum age accepted:
18
Employment status:
employed, self-employed, contractors, zero-hour workers & retired
Credit assessment:
CCJs, defaults, missed secured arrears

Equifinance

equifinance

About Equifinance is a specialist second charge mortgage lender who lends exclusively through their distribution partners in the UK including Scotland. Over the years Equifinance has developed their product offering to provide borrowers who have previously experienced financial difficulty but are in the process of recovering their financial situation. Their second charge products now cater for unlimited mortgage […]

Products availabe:
Second Charge Mortgages
Loan sizes:
up to £100k
Loan terms:
3 to 25 years
Best available rate:
12.80%
Best availabe LTV:
80%
Minimum age accepted:
21
Employment status:
employed, self-employed & retired
Credit assessment:
CCJs, defaults, missed secured arrears