Finsec’s speciality is providing loans to borrowers with non-standard or complex income and credit profiles where the proposed borrowings combined with the amount owed to their first mortgage lender does not exceed 70% of their residential property value or 65% in the case of investment property.

Finsec provides second charge lending between £3,000 and £50,000* to private individuals secured upon their residential property which is in owner occupation or subject to a rental agreement, or to their business where this is incorporated as a limited company or limited liability partnership and they are willing to enter a deed of guarantee.

Lending is available throughout England and Wales but not Scotland and Northern Ireland. Loans are available for most personal and small business purposes.

*Larger loans up to £100,000 are available to businesses.