Together Money Secured Loans


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Home reversion scheme


Lumpsum lifetime mortgages

Getting help when its necessary for refinance or Equity Release

It is very regular to discover individuals seeking out subprime remortgages uk, bad credit mortages or remortgage brokers for bad credit.   However lenders like United Trust Bank are keen to see evidence of affordability in the form of accountants certificate, wage slips or p60s.

Evidence of income:

Lenders such as Clearly Loans, Equifinance or Prestige Finance often accept paperwork to show affordability with:

  • sa302 documents
  • accountants certificate
  • dwp letter

Common examples of very bad credit

Lenders such as Equifinance, United Trust Bank or Evolution Money can often lend to people with

  • credit card arrears
  • disharged bankrupt
  • late payment history
  • CCJ’s
  • Defaults

Finding secured loans

It’s sometimes a lower overall cost to get a home owner loan than a remortgage.

  • 1st Stop Home Loans
  • Evolution Money
  • Equifinance

Opportunity for very bad credit home purchase lenders:

  • Hanley Economic Building Society
  • Lloyds
  • Magellan Home Loans
  • BM Solutions
  • Cambridge Building Society
  • Pepper Money

Time to payback loan with Hanley Economic Building Society

  • 9 years
  • 28 years
  • 30 years

Mortgage fees

  • broker fees
  • product fee
  • completion fee
  • lender fees

Finding help when its necessary for a second charge loan

Find a broker that doesn’t charge big fees.

It is usual to find people looking for mortgage brokers bad credit, sub prime mortgage lenders or bad credit mortgage loans however lenders like Yorkshire Bank are keen to see evidence of monthly income in the form of investment statements, dwp letter or accounts.

Loan to value percentages (LTV)

It’s often found to discover individuals searching for percentages for loan to value of 80%, 85% or even as much as 95% however its hard to get 95%.  Some secured loan lenders that lend up to 95% LTV with bad credit charge APR rates over 20%.

Finding help when its necessary for re-mortgage

It’s common to find individuals searching for bad credit remortage, adverse credit remortgages or remortgage for bad credit uk however mortgage lenders like Skipton Building Societyiety are keen to see evidence of monthly income in the form of bank statements, bank statements or dwp letter.

Charges for second charge secured loans

  • solicitors fees
  • booking fee

Mortgage lenders offers for Primary Residence including for very bad credit

  • Tracker mortgages Barclays
  • Fixed rate mortgages First Direct

The lender will want to know if the property is a Semi detached freehold house or a Leasehold flat and if the occupier is a Private Tenant.