Secured Loans from Optimum Credit

The great thing about Optimum Credit is they have a fixed rate deal that is up to 5 years and discounted rates up to 2 years.

The can offer up to 95% LTV (loan to value) which not many 2nd charge lenders do.

You can make overpayments at any time and they can loan up to £500,000 for up to 25 years.  If you need to re-organise your personal finances, Optimum credit are used to this and many people find they are much better off on a month to month basis.

Please complete the form to find out more about Optimum Credit or to compare them with other similar lenders.  You may find Optimum fits your needs perfectly.

  • Details of your property

  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised mortgage firm and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

Lump sum lifetime mortgages

Home reversion scheme

Liars Loan Liars loans bridging loan for farmhouse

 

  • Details of your property

  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised mortgage firm and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

Finding help when you need a fast remortgage

It’s very regular to encounter people seeking out bad credit remortgage broker, remortgages for poor credit history or where to get remortgage with bad credit however home loan lenders like BlueZest are keen to see proof of affordability in the form of dwp letter, investment statements or sa302 documents.

Evidence of income:

Lenders such as Central Trust, Equifinance or Equi finance often accept evidence of affordability with

  • wage slips
  • accounts

Examples of sub prime credit

Loan companies such as United Trust Bank, Masthaven or Shawbrook can often extend credit to people with

  • credit card arrears
  • missed payments
  • disharged bankrupt
  • defaults
  • ccj records

What to expect for secured loans

It’s sometimes cheaper to get a secured loan than a re finance.

Sourcing bad credit remortgage companies:

  • Secure Trust Bank
  • Buckinghamshire Building Society
  • Magellan Home Loans
  • Saffron Building Society

Duration of payback cycle with Foundation Home Loans

  • 2 years
  • 3 years
  • 10 years
  • 11 years

Remortgages charges

  • application fees
  • solicitors fees

Finding help when you need a a secured loan

  • independent financial advisor
  • IFA broker

Its common to find people searching for mortgage for poor credit history, subprime loans uk or guaranteed mortgages for bad credit however mortgage lenders like TSB – Intermediaries are keen to see proof of affordability in the form of bank statements, pay stubs or sa302 documents.

Mortgage Loan to Value

Its usual to find individuals looking for percentages for loan to value of 60%, 55% or even as much as 90% however its hard to get 90%.

Finding help when you need a re-finance

It is very regular to discover people looking for remortgage advice for bad credit, subprime lenders uk or remortgages with bad credit rating however mortgage lenders like Together are keen to see paperwork to show income in the form of pension statements, pay stubs or pension statements.

Costs for 2nd mortgages

  • broker fees
  • valuation fees

Mortgage lenders offers for Commercial Property including for bad credit

  • Interest-only mortgages First Trust Bank
  • Variable rate mortgages The Mortgage Lender
  • Capped rate mortgages Bluestone Mortgages

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the occupier is a Owner Occupier.