Secured Loans

There are many different reasons why you might need a secured loan, clients may have been declined for a further advance by their existing 1st charge lender, declined for a re-mortgage or you are on a low interest rate and don’t want to lose it by remortgaging to a new lender, whatever the reason Smart Financial Products in Chester are here to help. We pride ourselves with speed and service, so usually are able to supply indicative terms within minutes of an enquiry being given to us.

Benefits of a secured loan

  • Rates from 3.74%
  • 2 year fixed from 4.03%
  • Terms from 3 months to 30 years
  • Lend up to 95% LTV
  • Declined consent to 2nd charge
  • No caps on income multiples
  • Ex Council flats
  • Non standard construction properties
  • Self employed for 6 months
  • Loans for almost any legal purpose
  • Age up to 85
  • If your client is on a low Mortgage rate
  • Declined for a further advance
  • Tied in to your current Mortgage
  • Adverse credit accepted
  • Large loans available up to £2,500,000
  • Minimal early redemption charges
  • Defaults & CCJ’s ignored by some lenders
  • Interest only or repayment
  • BTL 2nd charges up to 80% LTV subject to status and criteria
  • BTL – 115% rent coverage no stress test
  • Ex pat

You can have a secured loan for almost any legal purpose, below are some possible reasons for needing a secured loan:-

  • Debt consolidation
  • Credit repair
  • Home improvements
  • Tax bills
  • Business use
  • Settle IVA’s or Bankruptcy Notices
  • Deposit for investment property
  • Holiday home/Timeshare
  • Weddings
  • Car
  • Holiday

Managing your finances can be tricky – especially when unforeseeable expenses mean having to pay more money. Moving into a new home, fixing your car or having to replace a new mobile can all drain your finances, and sometimes a loan may be the best option for you and your family.

Secured loans in Chester will give you the ability to regain control of your finances and help to make life easier. Offering a variety of services to suit your needs, give Smart Financial Products a call and find out how you can make a big change to your finances, today.


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