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What makes us different?
case studies
We know that placing the difficult cases can make all the difference to your business. Our experience in these cases is so important and we have hundreds of examples of applications declined elsewhere that we have been successful with. Here are just a few examples: -

Professional Gambler wanting a secured loan for £30,000
Mr L. was a very successful gambler earning well over £100,000 a year, but as gambling winnings are not taxable he did not need or use an accountant.

We obtained bank statements showing regular payments being received and also provided substantial documentary evidence from the national press showing Mr winning several competitions. The loan was placed with Shawbrook Bank and completed on an annual rate of 7.9%. The entire process took 23 days from start to finish.

Businessman needing a very high income multiple
Mr H. operated his international clothing business from home and needed £90,000 to repay a large number of credit cards and loans. The total monthly payments on this credit exceeded £3,500.

His accountant was putting a large amount of his home expenses through the business, meaning declared income of just £39,000. With a existing mortgage of £173,000 this equalled a multiple of 7 times income. We placed the application with Blemain Finance with a monthly repayment of £1,250 per month.

Bankruptcy petition needed clearing in 21 days
Mr A had a bankruptcy petition issued against him and had initially applied to the largest broker in the UK. He was turned down five weeks after applying as the broker was unaware their chosen lender would not proceed if a petition was in place. Mr A was informed that no one could help him.

After receiving the introduction, we immediately found a lender willing to assist in raising the £35,000 needed in such a short timescale. We even went to the trouble of hand-delivering the £35,000 cheque to the solicitor based in the North West of England the day before the bankruptcy hearing.

Specialist Homeowner Finance - where experience really does make a difference
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOUR CUSTOMER IS THINKING OF CONSOLIDATING EXISTING BORROWING, THEY SHOULD BE AWARE THAT THEY MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT THEY REPAY.

OUR REPRESENTATIVE INTEREST RATE IS 6.9% APRC VARIABLE. THIS MEANS 51% OF CUSTOMERS RECEIVE THIS RATE OR BETTER. WE RECOMMEND ALL CUSTOMERS OBTAIN INDEPENDENT LEGAL ADVICE BEFORE SIGNING ANY DOCUMENTS

ALL LOANS ARE SUBJECT TO STATUS AND ARE SECURED ON YOUR CUSTOMER'S HOME. WE ARE A BROKER, NOT A LENDER.

tel: 0800 810 1888   fax: 0800 810 1005    email: click here to contact us
address: Audley House, Northbridge Road, Berkhamsted, Hertfordshire, HP4 1EH
 
All telephone calls are recorded for training and compliance purposes. Specialist Homeowner Finance is a trading style of Specialist Financial Services Limited. Registered in England, No. 5309450. Registered office: 119 The Hub, 300 Kensal Road, London, W10 5BE. Specialist Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Specialist Financial Services Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 676853. Specialist Financial Services and the Specialist Financial Services logo are trademarks of Specialist Financial Services Limited. The use of these trademarks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. This website is for professional intermediaries and introducers only, and is not intended for use by the general public. Reproduction of this website in whole or in part without permission is prohibited.
 
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