Frequently Asked Questions
FAQ Topics

What is a homeowner loan?

A homeowner loan, or secured loan, is a type of mortgage.

Much like a normal mortgage, the homeowner loan repayments can be spread over many years to keep the monthly cost down.

Your primary mortgage lender will have a ‘first charge’ over your property. This means that they can force your home to be sold if you do not keep up with the mortgage repayments.

This type of loan is also known as a second charge mortgage. You take it out while keeping your main mortgage in place, hence the reference to second mortgage.

A secured homeowner loan will be a second or even third ‘charge’ against your home. This means that they also can seek repayment of unpaid mortgage debts via sale of your home (repossession).

Homeowner loans are cheaper than unsecured personal loans but more expensive than a first charge normal mortgage.


Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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