Our products

First charge mortgages

We consider mortgage applications from all sorts of people, looking beyond the credit score to see them as individuals. With a focus on affordability, we are able to cater to a wide variety of income sources including employed, self-employed, DWP benefits and private pensions.

Second charge mortgages

Second charge mortgages are a viable solution for customers looking to finance home improvements or debt consolidation. Second charge mortgages can also be used for a variety of other purposes including raising capital for business. We have been at the forefront of second charge mortgage product innovation for 40 years, providing the market with the right products at the right time and reflecting the needs of brokers and their clients.

If the second charge mortgage is for more than £25,000 and at least 50% of the loan is being used for a business purpose we have a specific ‘Homeowner Business Loan’ product tailored to the need of this customer type.

Consumer Buy-to-Let

A product for the “accidental landlord” who has acquired an additional property by circumstance rather than a desire to invest in buy-to-let. For example, someone who has inherited a property or is moving in with someone else but letting out their own home.

Regulated bridging finance

Our Regulated bridging product range provides short term finance to help customers purchase a property, raise capital, purchase at auction, or repair a broken chain.

Bridging finance

Bridging finance is short-term funding where clients have an intended exit route within a short timescale. We understand the importance of speed, and our internal systems and external relationships with surveyors and solicitors are geared for a fast response. First and second charge bridging loans are available for amounts from £26k and up to 100% funding can be considered with extra security.

Commercial mortgages and loans

Property deals come in all shapes and sizes. We’re one of a few lenders offering second charge commercial loans for any purpose. We can provide loans secured against many property types or land, including those with no planning or agricultural restrictions. Plus, we also allow many income sources, including limited companies, sole traders and partnerships.

Buy-to-Let  

This product includes Portfolio BTLs, Holiday Lets, HMOs and Semi Commercial Property which are all available on a first or second charge basis. We consider most income sources including projected rent and can work with many status profiles from clients with a perfect credit rating to those who don’t. We’ll consider every application on its own merit and finance properties regardless of structure, age or valuation. 

Auction Finance

We help hundreds of property investors acquire residential, semi-commercial, buy-to-let properties and land at auction every year. If your client needs an approved amount for an auction, we can put finance in place ready to make the purchase for a quick completion. Simply by providing an enquiry form and details of the auction, lot number and catalogue, a pre-approved amount can be provided so the applicant can bid with confidence. Our auction finance starts from just £20k for auction purchases and 100% funding is considered with extra security.