Regulated and Unregulated Bridging Finance

Bridge lenders including Ashley, Footwell, Greenfield Capital and Hope Capital like to see an exit route; however, Masthaven, Oblix, Santander and Together are more careful.

Bridging Loans Loan to Value Percentages

It is very regular to discover individuals searching for a mortgage loan to value of 60%, 65% or even as much as 95% however its hard to get 90%.

Quick Acting Bridging Lenders

Avamore
Bridging link
Holme
Mint Bridging

Types of Bridge Loans

Closed Bridging Loans
Un-regulated Bridge Loans
Bridging Finance for Commercial Property
Auction Property Purchase Bridging Finance

Getting help when it’s necessary for re-mortgage

It is often found to find people looking for poor credit remortgages, remortgages with lousy credit or where to get remortgage with bad credit however secured loan lenders like HSBC Direct are keen to see paperwork to show income in the form of universal credit letters, state benefit letters or p60.

Paperwork to show income:

Secured loan lenders such as Clearly Loans, Equi finance or Shawbrook often accept evidence of income with

sa302 documents
pay stubs
accountants certificate

Common examples of bad credit

Lenders such as Evolution Money, Paragon Personal Finance or United Trust Bank can often give loans to people with

missed payments
missed instalments
ccjs
Default notices

Understanding homeowner loans

It’s sometimes a lower cost to get a second charge loan than a refinance.

Spring Finance
1st Stop Home Loans
Shawbrook

Age criteria for Low credit score companies:

Pepper
Bluestone Mortgages
Masthaven
HSBC Direct
First Trust Bank
Family Building Society

Time to pay back mortgage with Vida Home Loans

28 years
25 years

Secured Loans fees

broker fees
solicitors fees
arrangement fees

Getting help when you want a 2nd charge secured loan

financial consultant
financial advisor

It is usual to find people searching for mortgage companies that work with low credit scores, bad credit mortgages or mortgage for lousy credit however home loan lenders like Santander are keen to see paperwork to show affordability in the form of wage slips, payslips or p60.

Mortgage Loan to Value

It is common to discover people searching for a home loan to value of 60%, 55% or even as much as 95% however its hard to get 90%.

Finding help when you need a refinance

It’s common to discover people seeking out remortgage terrible credit scores, adverse credit remortgage brokers or lousy credit mortgages however lenders like Dudley Building Society are keen to see proof of income in the form of state benefit letters, accounts or p60.

Charges for secured loans

valuation fees
application fees

Lenders terms and rates for Primary Residence including for adverse credit

First-time buyer mortgages Lloyds Bank
Tracker mortgages Skipton Building Society
Buy to let mortgages Leeds Building Society

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the occupier is an AST Tenant.

UK Property Price Growth Hotspots 2023

London Heathrow
London Luton
Newcastle
Southampton

Top Locations for UK Residents to Buy Overseas Holiday Homes

Helsinki Finland
Paris France
Athens Greece

Equity Release Schemes for UK property owners

It is common to discover people seeking out lump sum lifetime mortgages, monthly payment lifetime mortgage or lump sum lifetime mortgages however Lifetime Mortgage from L&G like AIG Life are keen to see proof of your circumstances in the form of bank statements.

Equity Release percentages of your current property value

The more elderly you are and the more serious your illnesses you are, the more cash you can release

Lenders for Equity Release

Key Retirement
Saga
Nationwide
RBS
Santander
Lloyds
HSBC
TSB

Santander UK plc. Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054.

Credit cards

+44 151 264 8725

Debit and cash cards

+44 1908 237 963

Lost or stolen cards and fraud

0800 9 123 123

24 hours a day 7 days a week.
Free from UK mobiles and landlines

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How much money can I get?

You can get 70% of your home’s valuation. As an example, if your home is valued at £290000 you can release £203000.

Consolidation Loans With Bad Credit

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Help To Buy For Over 60S

Debt Consolidation Loan Poor Credit

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