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What makes us different?
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