Why people choose us
We will search the whole of market on your behalf to find the best deal
Second Charge Loans
Second Charge Loans are secured loans on a residential property. As an independent loan broker we deal with a wide panel of lenders and search the whole of market on your behalf for the best deal.
Popular reasons for requiring a secured loan:
Debt consolidation – reduce monthly credit commitments by up to 50%
Capital spending – car, boat, home improvements, holiday
Tax bill – stop HMRC pressure
Protect a low mortgage rate – your mortgage lender may want to increase your current rate if you apply for a further advance
Deposit for additional investment properties
Bridging Loans are a short term lending solution often used by buy-to-let landlords, developers, and other property businesses to help them bridge the gap between either the sale of the property, or access to longer term finance. Bridging finance can typically be arranged for periods of 3-12 months.
Secured Loan Options has a wide panel of Specialist Finance Lenders and can arrange bridging loans for many reasons – typically:
For purchase or refinance of a residential buy-to-let property.
For Properties requiring heavy or light refurbishment.
When Buying property at auction.
For the Purchasing of uninhabitable properties.
For the Completion of development projects.
For Self-builds – staged payments.
For Time-critical transactions – i.e. tax bills or business purposes.
Are you a Landlord, or do you have a client looking to raise additional finance? A secured loan on a Buy-To-Let property could be the answer.
There are 2 classifications of a Buy-to-Let property:
Buy-to-Let: A property that was specifically purchased to let out.
Consumer Buy-to-Let (CBTL) which is a property that may have been previously occupied by the owner or inherited.
At Secured Loan Options we have access to all Buy-to-Let Second Charge Loans on the market and we’re confident that if we can’t place your enquiry with one of these specialist lenders, no-one can.
First Charge Mortgage
A First Charge Mortgage, often known as simply a mortgage, is a loan taken out to purchase a property or land. A mortgage is taken out over a long time period, for example 25 years.