4 easy steps for quickly accessing secured borrowing options.
Get in touch with us several ways.
There are a plethora of ways to actually get in touch to find out more about our private, independent lending service. You can call us by telephone, send us an email, enquire online or shout really loudly.
We will value your home to determine loan.
When we arrive we will conduct a private, external survey of the building. After completion we need access to the inside so that we can proceed with the internal survey and general viewing.
If your equity is OK, we will make you an offer.
If the loan to value amount is good, we will offer the full amount you want to borrow. However, occasionally, valuations come in short. In this scenario, we will make you a revised offer of finance.
Accept & we transfer funds instantly.
As long as all paperwork is present and correct, we can transfer funds to your personal, business or any nominated bank account instantly. We can also work to a specific date if required.
Or call: 0845 475 1814
Low rating score and bad credit accepted.
Credit score problems.
All mainstream lenders, banks and building societies use your credit rating to determine if or whether you are lendable or not. Actually having no credit agreements in place, can work against you.
Mortgage defaults. The main cause of repossession in the UK today. It is possible to use our quick bridging or another form of second charge financing to completely clear a mortgage or remortgage or secured loan.
IVA or bankruptcy.
The simple fact of the matter is that we lend based solely on equity, not any type of credit history, report or score. This means that, as a group of independent lenders, we can lend to IVA's and bankrupts.
Various forms of secured borrowing for homeowners.
If you are worried about credit checks stopping you from obtaining a bridging loan, you need not. We base our decision on the equity you have in the house or land you are willing to use as security. We do conduct credit searches, however it shouldn't affect the chances of you getting short term finance through us as long as you have paid off at least 35% of the mortgage or loans secured against the property.
We haved help literally thousands of people with our expert, personalised funding. Whether it was to repair a break in the property chain, or to help stop a home repossession, or even to stave of bankruptcy, we will treat your enquiry, as we did with theirs, with the utmost privacy and level of professionalism you should expect when talking in terms of thousands of pounds being borrowed.
Call on our local rate 0845 475 1814 from a land line or call 0203 287 7169 from your mobile or request a call back by using the quick contact form on the right hand side of this page if you are using a PC or below if you are on a mobile device.
Take the hassle our of getting a bridge by talking to the experts. The quick residential, regulated, bridging loan lenders.
Any type of property or land that has or hasn't got planning permission can be used as security. We once used a garage as security. It was in central london and valued over £80,000.00 but the equity was there and we were able to accept it as security.
Call in an instant on 0845 475 1814 or you can click below to apply online, or you are able to call us up from your mobile phone on the landline number 0203 287 7169 or request a call back by using the quick contact form on the right or directly below this block, still without being under any obligation to accept any offer presented to you. Alternatively, apply online by clicking the button.
Quick contact form
Property chain break.
As property investors, in this day and age, we still find that the frequency of which property chain breaks happen astonishing. How can people get so far down the line in a sale, only to back out at the last minute, or to be refused funding at such a late stage. This can even more frustrating if other potential buyers of your home have backed due to the deal being almost complete, or if you have already found a new property which you could lose due to the collapse in the chain. One of our bridging loans or short term products could help rescue your future purchase, and you can clear the full amount when your existing property is sold.
They are inevitable. Post credit crunch, the institutiionalised High Street lenders have to make every 'T' and every 'I' has been dotted about thirty six times. Give the them respect that is due, they are only doing their job, However, it is a lot of overkill causing delays for borrowers. Serious delays. This in itself can cause problems. Throughout the previous two years and we're sure well into the future, we have been contacted by many residential property buyers simply because they are worried about losing out on a house purchase because the bank is delaying so long. Get a bridge from us, then settle when the bank mortgage or funding clears.
Defaults or credit issues
One credit card default and one missed mortgage payment. We have just set up a bridging loan for a client that was refused from the bank hee has banked with for over 19 years because of one credit card default and one missed mortgage repayment. He is also in the last five years of his mortgage. That is how serious defaults and small issues can affect your chances of getting funding through Hiogh Street lenders, banks and building societies. As an independent lender, we can afford to offer our clients more leeway. Hardly any paperwork. Financing purely on equity not on what your credit reports say. Quick decision.