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.
Get an offer of finance almost immediately.
From the valuation and the information you give us about any outstanding mortgage or other loans secured on the property, we can ascertain just how much, or if we are able to lend to you.
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.
Unsecured business loans.
We offer many forms of unsecured business loans. Primarily we are a bridging loan lender, which needs a property as security, however we do offer types of products that do not need a propery as security such as a business revolving credit facility, a guarantor loan, which is basically guaranteed by a business owner or family that you will repay, if not they take over the payments, or asset finance which means anything that is not high value can be use to secure. A UK property is not needed. Get in touch by phone with us today to see if we are able to offer some form of unsecured business loan to you.
Unsecured personal finance.
When many people think about unsecured loans, it tends to be from their bank in the form of a personal loan which can be used for any purpose and is repaid directly from the account they have with them as their salary is paid or doorstep or payday loans which have a bad reputation for being extremely expensive in terms of interest. Many of them are well over one thousand percent in interest if you calculate the repayments over the space of a year. A personal guarantor loan with us is low cost. Fundamentally, a parent, boss or business owner are liable for repayments should you default.
Commercial guarantor lending.
This is a relatively new style of lending to us. You do not need a property, land or an asset to secure financing from us. What you need is a Company Director or a Company Secretary to act as a guarator to any amount you want funding. It is only one of two products, the other being a revolving credit facility, tht we run a full credit rating and background check on. The identity and credit score is on the personl nominate as the guarantor not on the individual actually borrowing the money. This is to make sure that they are in position to take over the repayments should the initial borrower default on any monies loaned out.
Secured bridging options.
Our business isn't the unsecured market. That is just another string to our lending arm, it is not our preferred method and only really offered when no other options are available. The main focus of our business is the short term, secured loans market. We've been lending for over thirty years this way to both homeowners, businesses and property investors. To be accepted for bridging finance from us, you need a property or land as security and at least forty five percent of the mortgage or first charge borrowing cleared. Give us a ring for more information on our products.
Unsecured business and homeowner loans.
The main problem you wil find with an unsecured loan, not just from us, but any lender, is a very rate of interest. You see, if you decide not to repay, there is not a lot the lender can do to recoup their money. In fact, about the only course of action they can take is to take you to the county court and have a county court judgement entered against your name. The knock on effect of this tht it will affect you getting credit in the future. Thing's like mobile phone contracts, overdrafts and other unsecured funding options will be taken off the table.
So if you haven't got a property or land to use as security, you will find that loans, be them private or personal or business or commercial will cost you a lot of money in interest. Ideally, if you are business owner, you could use business assets as a form of security. Lorry trailers or vehicles for instance. Or heavy machinery. We can secure a short-term business loan against practically anything, even people. That is called a guarantor loan.
Call us anytime on our local rate 0845 475 1814 from a home or work land line or call directly 0203 287 7169 from your mobile or request a call back by using the quick contact form on the right hand side, or just below depending on whether you are browsing on a PC or mobile device. Alternatively, click the button for our full on enquiry form.
For homeowners, we do not offer any form of payday loan service. Minimum loan value with us is £15,000 as an unsecured loan. Well, technically not an unsecured loan, but a guarantor loan. a parent or immediate relative needs to guanratee that you will pay the loan, or be responsible for the payments should there be a default.
Asset finance is also available for non property owners. If you have a high value car for instance. We can offer a loan secured against that. Typically, we are looking at vehicles listed as second hand or used with a book price of £25,000 or more. Caravans and caravanettes re also another good example of things that can be used as security for a residential asset loan.
Our phone operators can accept your application on the phone without you being obliged to accept any secured or unsecured loan offered to you.
To see what is available for you, give us a ring today from a land line 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
Lloyd's bank lending.
If you are a customer of the Lloyd's bank, you can get unsecured direct from them. As long as you have good credit rating, they will willingly offer you an overdraft facility. It will only be small to start with, but they extend it for in the future should you service it well. An overdraft does incrue interest charges and usage charges every month.
Specialists in auction finance, we can help you get a quick bridging loan in place so you can bid on the property or land knowing funds are there. Unfortunately, we do not have an unsecured borrowing product that can be used to buy a house or land at a property auction. Nobody does. for that you would have to speak to family.
HSBC borrowing facility.
As a new or existing customer of the Hong Kong and Shanghai Banking Corporation, as long as you have a good credit score, you can get unsecured borrowing from them. Like many banks and building societies, they will offer you an overdraft facility on your current account with them They will automatically charge you every month.