Our client, an employed applicant, needed a flexible funding solution for debt consolidation, home improvements, and private school fees. They required a substantial loan with a drawdown facility, allowing access to funds as needed, with speed a key priority.

Using our lender relationships, we secured a £150,000 second charge drawdown facility with Selina Finance. The client initially drew £50,000, with the remainder available for future costs, ensuring interest is only paid on funds used.

The case completed in just 12 days.

We recently supported a client who was looking for a second charge loan to consolidate debt and fund some We supported a client seeking a second charge loan for debt consolidation and home improvements after being declined elsewhere. Fluctuating income over two years created affordability challenges.

By taking a detailed view of their finances, we evidenced consistent income and presented a stronger case. Using our lender relationships, we secured an £80,000 loan with Step One Finance.

This reduced monthly outgoings by nearly £800 and consolidated multiple debts into one manageable payment – demonstrating how a tailored approach can achieve positive outcomes despite complexity.

The client wanted to secure a rare retirement property while still selling her existing home.

We arranged a first charge bridge on her current property, allowing her to complete the purchase. Once her home sold, she owned the retirement property outright and was mortgage-free.

She was extremely happy to secure the home she always wanted.

After many years of renting, clients had raised enough deposit to purchase their first home.

Clients ideally wanted to look at purchase prices in the range of £420,000-£430,000 with a 10% deposit.

We were able to secure a mortgage with a lender at 90% LTV for the lending amount required, meaning that the clients were able to purchase their dream home.

Clients were looking to make home improvements, but were fixed in on their current mortgage product, and unable to get a further advance.

We searched whole of market and found that West One Loans were offering 85% LTV and the best terms for a second charge loan based on their clients’ circumstances.

The clients were delighted as it meant they were able to complete their home improvements before the New Year.

Our client’s fixed rate buy-to-let mortgage was ending, and he needed to refinance. However, the property’s B2 EWS1 rating and required remedial works meant lender options were very limited. As a higher-rate taxpayer, his affordability assessment was also restricted.

After researching the whole market, we found a lender willing to proceed based on the valuer’s comments.

We secured a two-year fixed rate with a low product fee, enabling the client to increase the property’s monthly rental.

The client was delighted with the outcome.