Second Charge Loans


Welcome to the home of Specialist Homeowner Finance
We offer second charge secured loans from £3,000 to £5 million, regardless of the applicants' status or age.

We pay fantastic commission to our introducers on the day the loan completes and over 98% of our introducers class our service as 'excellent' or 'very good'. We are still working on the other 1.8% who only classed us as good.

Using our own in-house loan sourcing software, LoanQuote™, we can instantly research the market for the most suitable product for your customer. This also provides you with all the research tools you need for your file.

Our secured loans come with the following:

  • no Early Settlement Penalties on many of our loans.
  • for referral only cases, commission of 4% of the advance paid to you - even more available if you wish;
  • for packaged cases, we do not charge any broker or packager fees, either up front or on completion;
  • loans now available to 100%+ of property value. Large loans now available to 90% of property value;
  • rates from just 3.74% Variable for both employed AND self-employed applicants - our lowest interest rate in over 30 years;
  • our processing staff are mature, experienced people with decades of experience in the secured loan marketplace and that one thing that money cannot buy, life experience;
  • we cover the cost of all legal searches and mortgage references. These are not deducted from your commission;
  • unlike so many of our competitors, we do not charge extortionate completion fees on our secured loans.

The staff at Specialist Homeowner Finance have unrivalled experience in the second charge secured loan market and the company owner has consistently worked within second charge secured loans since 1983. We know everything there is to know about the secured loan marketplace and what you look for in a secured loan provider.

We realise that usually a remortgage will be the best option for your client. However, with changes brought in by the FCA since 2014, secured loans have become a true alternative to a remortgage, especially in circumstances such as:

  • a client who's recently become self employed
  • your client's existing mortgage has terms that cannot be bettered
  • your client's existing mortgage has financial penalties for early redemption
  • your client's existing mortgage is interest only
  • your client needs funds quickly
  • your client has a recent bad credit history
  • your client's income will not pass the multiples required for a remortgage
  • your client's age stops borrowing over a long enough term

In addition, we can often help your client in situations that would normally stop them borrowing cheaply:

  • Receiving pension income
  • Receiving benefit income
  • Poor credit rating
  • Bankruptcy petition lodged

  • Our products for the self employed are particularly useful. We now have several lenders willing to accept accountant’s projections as income proof, rather than using SA302’s or accounts that could be over a year old.

    The UK's most transparent Secured Loan commission structure

    Our unique commission means that for loans up to £50,000, you will know before submitting the enquiry that you will earn a minimum of 4% of the net loan amount with no deduction for processing costs. And you can earn much more commission in some cases if you wish.

    Our research shows that most introducers do not trust the commission split offered by other secured loan brokers. If you are promised a 50/50 net commission split after processing costs, how do you know how much you will earn?

    We have heard of some loan brokers that inflate their processing costs £200-£300 to reduce the amount they pay their introducers. We also know some brokers charge extortionate completion fees and only pay you a small percentage of their income.

    With Specialist Homeowner Finance you will earn at least 4% commission without the rip-offs... Call the Secured Loan Specialists today!

Second Charge Loans


Welcome to the home of Specialist Homeowner Finance
We offer second charge secured loans from £3,000 to £5 million, regardless of the applicants' status or age.

We pay fantastic commission to our introducers on the day the loan completes and over 98% of our introducers class our service as 'excellent' or 'very good'. We are still working on the other 1.8% who only classed us as good.

Using our own in-house loan sourcing software, LoanQuote™, we can instantly research the market for the most suitable product for your customer. This also provides you with all the research tools you need for your file.

Our secured loans come with the following:

  • no Early Settlement Penalties on many of our loans.
  • for referral only cases, commission of 4% of the advance paid to you - even more available if you wish;
  • for packaged cases, we do not charge any broker or packager fees, either up front or on completion;
  • loans now available to 100%+ of property value. Large loans now available to 90% of property value;
  • rates from just 3.74% Variable for both employed AND self-employed applicants - our lowest interest rate in over 30 years;
  • our processing staff are mature, experienced people with decades of experience in the secured loan marketplace and that one thing that money cannot buy, life experience;
  • we cover the cost of all legal searches and mortgage references. These are not deducted from your commission;
  • unlike so many of our competitors, we do not charge extortionate completion fees on our secured loans.

The staff at Specialist Homeowner Finance have unrivalled experience in the second charge secured loan market and the company owner has consistently worked within second charge secured loans since 1983. We know everything there is to know about the secured loan marketplace and what you look for in a secured loan provider.

We realise that usually a remortgage will be the best option for your client. However, with changes brought in by the FCA since 2014, secured loans have become a true alternative to a remortgage, especially in circumstances such as:

  • a client who's recently become self employed
  • your client's existing mortgage has terms that cannot be bettered
  • your client's existing mortgage has financial penalties for early redemption
  • your client's existing mortgage is interest only
  • your client needs funds quickly
  • your client has a recent bad credit history
  • your client's income will not pass the multiples required for a remortgage
  • your client's age stops borrowing over a long enough term

In addition, we can often help your client in situations that would normally stop them borrowing cheaply:

  • Receiving pension income
  • Receiving benefit income
  • Poor credit rating
  • Bankruptcy petition lodged

Our products for the self employed are particularly useful. We now have several lenders willing to accept accountant’s projections as income proof, rather than using SA302’s or accounts that could be over a year old.

The UK's most transparent Secured Loan commission structure

Our unique commission means that for loans up to £50,000, you will know before submitting the enquiry that you will earn a minimum of 4% of the net loan amount with no deduction for processing costs. And you can earn much more commission in some cases if you wish.

Our research shows that most introducers do not trust the commission split offered by other secured loan brokers. If you are promised a 50/50 net commission split after processing costs, how do you know how much you will earn?

We have heard of some loan brokers that inflate their processing costs £200-£300 to reduce the amount they pay their introducers. We also know some brokers charge extortionate completion fees and only pay you a small percentage of their income.

With Specialist Homeowner Finance you will earn at least 4% commission without the rip-offs... Call the Secured Loan Specialists today!

Second Charge Loans


Welcome to the home of Specialist Homeowner Finance
We offer second charge secured loans from £3,000 to £5 million, regardless of the applicants' status or age.

We pay fantastic commission to our introducers on the day the loan completes and over 98% of our introducers class our service as 'excellent' or 'very good'. We are still working on the other 1.8% who only classed us as good.

Using our own in-house loan sourcing software, LoanQuote™, we can instantly research the market for the most suitable product for your customer. This also provides you with all the research tools you need for your file.

Our secured loans come with the following:

  • no Early Settlement Penalties on many of our loans.
  • for referral only cases, commission of 4% of the advance paid to you - even more available if you wish;
  • for packaged cases, we do not charge any broker or packager fees, either up front or on completion;
  • loans now available to 100%+ of property value. Large loans now available to 90% of property value;
  • rates from just 3.74% Variable for both employed AND self-employed applicants - our lowest interest rate in over 30 years;
  • our processing staff are mature, experienced people with decades of experience in the secured loan marketplace and that one thing that money cannot buy, life experience;
  • we cover the cost of all legal searches and mortgage references. These are not deducted from your commission;
  • unlike so many of our competitors, we do not charge extortionate completion fees on our secured loans.

In addition we can often help your client in situations that would normally stop them borrowing cheaply:

  • Receiving pension income
  • Receiving benefit income
  • Poor credit rating
  • Bankruptcy petition lodged

Our products for the self employed are particularly useful. We now have several lenders willing to accept accountant’s projections as income proof, rather than using SA302’s or accounts that could be over a year old.

The staff at Specialist Homeowner Finance have unrivalled experience in the second charge secured loan market and the company owner has consistently worked within second charge secured loans since 1983. We know everything there is to know about the secured loan marketplace and what you look for in a secured loan provider.

We realise that usually a remortgage will be the best option for your client. However, with changes brought in by the FCA since 2014, secured loans have become a true alternative to a remortgage, especially in circumstances such as:

  • a client who's recently become self employed
  • your client's existing mortgage has terms that cannot be bettered
  • your client's existing mortgage has financial penalties for early redemption
  • your client's existing mortgage is interest only
  • your client needs funds quickly
  • your client has a recent bad credit history
  • your client's income will not pass the multiples required for a remortgage
  • your client's age stops borrowing over a long enough term

The UK's most transparent Secured Loan commission structure

Our unique commission means that for loans up to £50,000, you will know before submitting the enquiry that you will earn a minimum of 4% of the net loan amount with no deduction for processing costs. And you can earn much more commission in some cases if you wish.

Our research shows that most introducers do not trust the commission split offered by other secured loan brokers. If you are promised a 50/50 net commission split after processing costs, how do you know how much you will earn?

We have heard of some loan brokers that inflate their processing costs £200-£300 to reduce the amount they pay their introducers. We also know some brokers charge extortionate completion fees and only pay you a small percentage of their income.

With Specialist Homeowner Finance you will earn at least 4% commission without the rip-offs...

Call the second charge loan specialists today!

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From Decision in Principle Forms, our valuation payments form, Initial Disclosure Documents for all products and other Compliance Documents, everything you need is in one place.

However, if you cannot find what you are looking for, call us free on 0800 810 1666 or click here to email us directly.





Contact Us

  • Audley House, Northbridge Road, Berkhamsted, Hertfordshire, HP4 1EH
  • 0800 810 1666
  • 0800 810 1005

All calls are recorded for training and compliance purposes. Specialist Hub, Specialist Homeowner Finance, Specialist Commercial Finance, Specialist Residential Finance, Specialist Bridging Finance, Specialist Development Finance, Specialist Personal Finance and The Loan Processing Centre are trading styles of Specialist Financial Services Ltd. Registered in England and Wales, company number 05309450. Registered office is 119 The Hub, 300 Kensal Road, London, W10 5BE. Specialist Financial Services Ltd is authorised and regulated by the Financial Conduct Authority, FRN 676853. Specialist Hub, Specialist Homeowner Finance, Specialist Commercial Finance, Specialist Residential Finance, Specialist Bridging Finance, Specialist Development Finance, Specialist Personal Finance and The Loan Processing Centre and all associated brand logos are trademarks of Specialist Financial Services Limited. The use of these trademarks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. This website is for professional intermediaries and introducers only, and is not intended for use by the general public. Reproduction of this website in whole or in part without permission is prohibited. We are a broker, not a lender.

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