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Rates & Criteria

Interest rates start from as low as .95% for non status loans and less than .5% per month as full status finance. For high loan to value loans and loans for stressed circumstances such as to clear a bankruptcy or avoid repossession the rate can be as high as 1.75% per month.

Non status loans are provided regardless of credit history and the vast majority of plans are also provided regardless of income.

Listed below are the highest loan to values we can go to per property type. Bear in mind we can lend over 100% of the purchase price when we can take an additional charge on other property as long as it is owned by the same applicant.

  1st Charge 2nd Charge
Residential Property 85% 80%
Commercial Property 70% 65%
Uninhabited Land 65% 50%
Development Finance 70% 60%

We can lend in England, Wales and Scotland at the above rates. We can also lend in Northern Ireland and Eire but please phone for loan to value and rates.

FREE CREDIT REPORT!! - Now more than ever it is important to know what your credit report looks like and how you can improve your credit file!

Please click on the banner to get your free credit report, you will need to enter a few details to sign up but please take the time to do this!

If you would like to email your report over to us, this should also make it easier for us to find the right financial product for you first time!



The overall cost for comparison is 18% APR.
The actual rate available will depend upon your circumstances.
Ask for a personalised illustration.