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15 criteria found
Maximum Loan Amount
We can arrange loans from £5,000 to £1,000,000
Maximum Term
From 1 year to 40 years dependant on the applicant(s) age at the end of the term. For Interest Only max terms are capped.
Repayment Types
Most 2nd charges are arranged on a capital repayment basis, however, we do have access to Interest Only options where the max term will be capped at 25 years.
First Time Buyer Applications
Applications from first time buyers are welcome. Standard affordability, deposit and property requirements will apply.
Product Types
From our panel we can offer Variable, Tracker and Fixed Rates. Fixed rates can be offer over terms 2-5 years; with and without ERCs.
Whole of Market Panel
We can offer 2nd charges from the whole of market panel.
Residential, CBTL and BTL
We can arrange second charges for Residential, CBTL, Family Let, BTL, Semi Commercial and HMO properties,
BTL Lending
We can arrange loans on BTL, HMO and Holiday Lets - loans start from £5k up to £1m.
Typically to 75% LTV but we do have panel lenders who would consider loans up to 90%
BTL Loan Range
We can arrange loans on BTL, HMO and Holiday Lets - loans start from £5k up to £1m.
Typically to 75% LTV but we do have panel lenders who would consider loans up to 90%
CBTL Lending
We can arrange loans on CBTL and Family Let Properties.
Loans range from £5k to £1m
Typically to 75% LTV but we do have panel lenders who would consider loans up to 90%
CBTL Loan Range
We can arrange loans on CBTL and Family Let Properties.
Loans range from £5k to £1m
Typically to 75% LTV but we do have panel lenders who would consider loans up to 90%
Location
Our panel cover England, Wales, Scotland and Northern Ireland.
We maybe able to arrange mortgages for properties in the Scottish Isles dependent on location and valuation cost and availability.
Unfortunately we cannot arrange loans in the Channel Islands.
Min and Max Age
We can arrange loans for anyone over the age of 18 years up to 85 years at the end of the loan term.
For commercial properties (BTL and CBTL) there is no max age if the property is self funding.
Limited Company
We can accept applications for second charges on commercial properties from Limited Company.
Visa Applications
As long as the primary applicant has Indefinite Leave to Remain, the second applicant must just be resident in the UK for at least 3 years.