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Refinancing, borrowing more, and borrowing again

We're here to help.


In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

Whether you need to re-do the maths on an existing agreement, or have spotted an opportunity that's too good to pass up, let's talk. We may be able to refinance your current agreement, or arrange an additional loan and run it alongside your existing borrowing.

You'll have access to our complete range of secured finance products, including Bridging loans, Buy to Let mortgages, Residential mortgages, Secured Loans and Commercial mortgages – which can all be secured on a disparate range of properties.

So no matter what you need the loan for or your current circumstances, we'll take a look at how we can help.

Give us a call, or we can call you back.

· Personal customers: 0161 933 7059. Lines are open Monday to Thursday, 9am to 8pm, and 9am to 7pm on Fridays.
· Commercial customers: 0161 933 7098. Lines are open Monday to Thursday, 9am to 7:30pm, and 9am to 7pm on Fridays.

Get in touch

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Are you a personal or commercial customer?
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Any property used as a security, including your home, may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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 at risk if you do not maintain the repayments. In addition, when using a loan to consolidate other debts you may increase the total amount repayable.

What happens when my fixed-rate period ends? 

Your loan will revert to a variable rate – the details will all be outlined in your agreement, and we'll write to you with details of your specific agreement. If you're paying by Direct Debit, we'll automatically adjust your payments and you won't have to do anything.

If you prefer the peace of mind that your payments are fixed, we can look at refinancing your agreement with one of our latest offers. We can discuss your options over the phone.

· Personal customers: 0161 933 7059. Lines are open Monday to Thursday, 9am to 8pm, and 9am to 7pm on Fridays.
· Commercial customers: 0161 933 7098. Lines are open Monday to Thursday, 9am to 7:30pm, and 9am to 7pm on Fridays.

Can I extend my loan term or amount? 

This isn't something we currently offer, but we'll happily assess your current circumstances and the options that are available to you. We may be able to replace your existing loan with a new, longer agreement.

We may be able to provide an additional loan that runs alongside your current agreement, or we may replace your existing loan with a new one. There may be fees and charges associated with this, which we can explain before proceeding.

Build: 1.3.7.20756