• Residential

    • Rates from 3.99%
    • 3yr fixed rate options
      (from 4.39%)
    • LTV’s up to 95%
    • Loans up to £1 million

     

    CSC say

    Shawbrook Bank is one of our most popular lenders. We benefit from having a great rapport with the whole Shawbrook team who are very much a “can do” lender. If an application falls slightly outside criteria but it makes sense, the client is benefitting and more importantly can afford the loan, then Shawbrook will often consider lending.

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  • Residential

    • Rates from 3.95%
    • 2yr fixed rate option from 4.35%
    • 5yr fixed rate option from 4.75%
    • LTV’s to 85%
    • Loans up to £500k within criteria
      or £2 million upon referral

     

    BTL

    • Rates from 4.5%
    • Loans up to £200k (more upon referral)
    • LTV's up to 75%
    • 2 year fixed rate option at 5.50%
    • 3 year fixed rate option at 5.75%
    • 5 year fixed rate option at 6.00%

     

    CSC say

     All their variable rate products track the BBR making it an easy product to explain to applicants. Their entry to the market was well received following their excellent reputation in the first mortgage and bridging markets where they are already well respected.

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  • Residential

    • Rates from 4.15%
    • LTV’s up to 90%
    • Loans up to £2.5 million
    • 2 year fixed rates from 4.9%

     

    BTL

    • Rates from 5.49%
    • Loans up to a £1 million
    • LTV's up to 75%

     

    CSC say

    A well established lender recently taken over by One Savings Bank. Prestige offer a comprehensive range of products including a market leading maximum loan size of £2.5 million with rates from 4.15% (<65% LTV). They are happy to consider a deposit for a BTL or payment of a tax bill as an acceptable purpose of loan. Prestige currently offer a market leading BTL rate of 5.49%

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  • Residential

    • Rates from 3.73%
    • LTV’s to 85%
    • Loans up to £500k
    • 2yr fixed rate option from 4.03%
    • 3yr fixed rate option from 4.25%
    • 5yr fixed rate option from 4.43%

     

    BTL

    • Currently not available

     

    CSC say

    Paragon Personal Finance is a trading style of Paragon Bank. Paragon re-entered the second charge market in 2014 having previously been a prominent lender in the market from 1999 – 2009. As well as having a market leading rate (as at Jan 17), Paragon offer a comprehensive range of attractive fixed rate products over 2yr, 3yr and 5yr periods.

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  • Residential

    • Rates from 3.9%
    • LTV’s up to 85%
    • Loans up to £250k
    • 5 yr fixed rate option from 4.70%

     

    BTL

    • Currently not available

     

    CSC say

    Having operated very successfully in the bridging market for a number of years UTB entered the second charge market in the early part of 2015.  UTB do not reduce LTV’s on certain property types e.g. ex local authority flats. The fact that they don’t credit score is also a plus point.

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  • Residential

    • Rates from 6.65%
    • 5 year fixed from 7.4%
    • LTV’s up to 77.5%
    • Loans up to £500k (more upon referral)

     

    BTL

    • Rates from 7.15%
    • LTV’s to 75%
    • Loans up to £250k (more upon referral)

     

    CSC SAY

    A long established lender who has shown 100% commitment to the second charge market in the most of challenging times. Recent rate reductions and changes in criteria (all adverse over 12 months ignored) will ensure an increase in their market share. Streamlined processing changes at Blemain now allow a higher percentage of same day completions.

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  • Residential

    • 2 year discounted rate from 3.74%
    • LTV’s to 75%
    • Loans up to £750k (more upon referral)

     

    BTL

    • 2 year discounted rate from 4.79%
    • LTV’s to 70%
    • Loans up to £300k (more upon referral)

     

    CSC SAY

    Masthaven have been in the second charge market now for many years, with them recently receiving Bank status

    They offer competitive rates on both residential and BTL products with manual Underwriting and no credit score. Masthaven Bank have a well respected management team who will take a positive approach when an application makes sense and the client is clearly benefitting

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  • Residential

    • Rates from 8.5%
    • 3, 5, 7 and 10 year fixed rate option
    • LTV’s to 75%
    • Loans up to £250k

     

     

     

    CSC SAY

    Central Loans have just started to offer second charge loans in northern ireland. LTV up to 75%, rates from 10% and a maximum loan £250k. Their criteria allows us to consider several sources of income that other lenders don’t. This lender offers low ERC's and lends on most unusual/non standard construction properties. Their commitment to the broker market is reflected in their willingness to work on the last Saturday of each month!

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  • Residential

    • ‘Bespoke rates’
    • Loans up to £200,000 (more upon referral)
    • Up to 85% LTV for employed and self-employed

     

    BTL

    • Currently not available

     

    CSC SAY

    Optimum are the newest lender to enter into the ever growing second charge market. Though new as a lender they have a very experienced spine to the company made up of Simon Mules, Brian Pope & Craig Collins. Optimum are the first lender to come out with an innovative bespoke rate product, with the rate being chosen once the applicant is scored through the system. As well as competitive rates we are also promised that on the vast majority of Optimum cases a valuation will not be required.

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