Lending Expert is an online credit broker that combines professional independent advice with powerful financial comparison tools. Our aim is to help our customers and web visitors to quickly find the best financial products on the market backed up with regulated advisors who can offer personal one-to-one advice.
Established in 2010 the business has served thousands of customers and focusses on the second charge loan market and buy-to-let landlord financing. The website also offers product comparison and how to guides on a wide range of personal finance such as insurance, personal loans, bank accounts, credit cards and investments.
Their expert brokers and advisors offer loans and finance solutions from £5,000 to £10,000,000 for a wide range of various reasons including raising money for business purposes, buy to let property, debt consolidation and making home improvements. Homeowner Loans are available up to 100% loan-to-value with additional security or a guarantor being provided.
Use the comparison tools to search and compare thousands of products online or pick up the phone to speak with an expert advisor on 0161 820 8099 for no obligation advice.
Lendingexpert.co.uk is regulated by the Financial Conduct Authority no: 660914 and also registered as a data controller & for data protection with the Information Commissioners Office No: ZA018282.
Historically second charge mortgages or secured loans as they are also known were seen as a last chance option for a client’s borrowing needs. The rates were much higher and carried hefty early repayment charges. However things have now moved on significantly with attractive rates from 3.65%, No ERC’s, fixed rates and LTV up to 95%.
There are many scenarios when a second charge could benefit your client when looking at capital raising – seconds can offer a welcomed haven against some of the restrictions on the first charge market.
Characteristically, we see Second Charge Mortgages for customers who are looking to:
• Retain their current low-rate mortgage / interest-only mortgage.
• Raise capital on BTL properties.
• Circumvent the ERCs that their re-mortgage may be subject to.
• Capital raise however their adverse credit means they are unable re-mortgage on the high street.
• Raise funds on a term loan that would take them beyond normal retirement age.
• Avoid paying upfront fees or costs for valuation.
• Receive the funds sooner than a standard re-mortgage could offer.
Lendingexpert.co.uk are a credit broker and offer secured loans and finance solutions from £5,000 to £10,000,000. Funds can be used for a wide range of reasons including raising money for business purposes, buy to let property, debt consolidation and making home improvements. Finance can be raised against residential property, buy to let and semi commercial.
Some homeowner Loans are available up to 100% loan-to-value with additional security or a guarantor being provided.
All credit types are considered including those with adverse credit, unemployed, in receipt of benefits, and buy to let applicants unable to demonstrate proof of income.