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Short-term loan for home improvements takes just three days to complete

We teamed up with specialist distributor Clever Lending to complete a regulated bridging loan in just three working days.

The customer applied for the loan for home improvements - in a bid to boost the value of her home - and to pay £10,000 of existing credit.

Clever Lending brought us as the customer needed a speedy and efficient service. We looked into the case and carried out a desktop valuation of the customer’s house before agreeing the 12-month short-term loan of £25,000. It was offered at a rate of 0.49%, one of the lowest in the market.

The loan was secured against the customer’s unencumbered three-bedroom 1930s detached home, which was put on the housing market. Following the completion of her refurbishment project, she expects to sell it for about £270,000 to exit the short-term loan and move to another property which she owns nearby.

Nick Jones, head of specialist distribution at Together, said: “This was a great outcome for the customer. After paying off all her existing credit, she has £15,000 to carry out improvements, hopefully adding to the value of her home.

“Clever Lending brought the case to us on a Thursday and it was so expertly packaged that it made it easy for our residential underwriters to provide the finance on the Monday, three working days later. This was a great example of when lenders work seamlessly with trusted partners to provide fast, tailored finance.”

Sam Kirtikar, managing director of Clever Lending, said: “We understand everyone has different circumstances, and this is a great example of how our experts work with specialist lenders, such as Together, to turn cases around quickly and provide clients with the best possible outcome.

“Following an increase in enquiries, we also recently launched a new in-house regulated bridging advice service, so if people do need funds to help them move quickly whilst their property sells for example, we can now offer in-house advice and ensure clients are provided with the most suitable solution based on their needs.”

You should think carefully before choosing to use a secured loan to repay credit which is unsecured, because with a secured loan your home may be repossessed if you do not keep up repayments on your mortgage. In addition, when using a loan to consolidate other debts you may increase the total amount owed

Nick Jones Together