The Loans Department
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The Loans Department Refused finance because of your employment status, mortgage arrears, CCJS, IVAS or even bankruptcy? We can help you! After trying to secure finance through high street lenders and other mortgage brokers, The Loans Department were fast, efficient and were able to secure a mortgage offer within 2 weeks. I will recommend them to friends and family.

read more › At The Loans Department, we will search all of the top lenders to find you the cheapest, most suitable option for you, whether it be a loan or remortgage. Our brokers have access to the whole of the market and will endeavour to provide a decision in principle within 24 hours of first contact. At The Loans Department, our main aim is to make your loan or mortgage application as stress free as possible. From the moment of application our specialist advisors will update you at every stage of the process.

read more › Whether you are looking for a loan or remortgage, we will advise the cheapest most suitable options available. The Loans Department have great experience in dealing with cases where high street lenders will NOT lend. We have an extensive panel of specialist lenders that we can turn to find the best solution. When you are happy with our recommendation, we will proceed to full application. During the application process The Loans Department will keep you updated every step of the way. We will liaise with lenders/solicitors and vendors agents if required so that you don't have to.

read more › Contact us today and our team will help you compare the best mortgage rates and deals in minutes. The Loans Department will discuss your requirements and offer you free, no obligation advice with the view of achieving the cheapest most suitable rate available. There are lots of reasons to remortgage, but the main one is usually to save money. You may be able to find a much cheaper deal elsewhere, or you may want the security of a fixed rate. At The Loans Department, we will discuss all options with you in order to provide you with the best advice.

read more › The Loans Department are specialists in this area, and will endeavour to find you the cheapest most suitable option available. We offer a free initial consultation and if you are happy with the solution we provide, we will then take you step by step through the application, keeping you updated every step of the way. It's our aim to provide all customers with a stress free quote to application process. Our brokers have access to specialist adverse credit lenders. A poor or bad credit rating can make it difficult to obtain a mortgage or remortgage through traditional high street banks and building societies, and this is why we say- If the banks say NO and you feel like there is nowhere to go.

read more › A buy to let mortgage is secured on a property that is essentially for investment purposes. Our expert advisers will help find the best buy to let mortgage deal for you to safeguard your investment and maximise profits. At The Loans Department, you will discuss your needs with a specialist adviser who will search the whole of the market to find you the cheapest most suitable option. A buy to let mortgage differs from a standard residential mortgage, because a lender will assess the loan amount and affordability by using the rental income, and not the applicants personal income.

read more › You will need to consider the assets you have - like savings - as well as the money that's coming in and going out and what is affordable etc. The Loans Department will guide you through the process assessing your monthly income and affordability and even advising on your future affordability based on the details that you provide. We will take care of the application, liaise with agents and solicitors on your behalf. It is our policy to make purchasing a property as stress free as we can for our customers.

read more › Poor credit rating or a low credit score can unfortunately make it hard for you to find the right type of finance. Credit scores will determine the rate and terms that you are eligible for from lenders in today's market. More often than not there will be a strict application process. The Loans Department are specialists in this field and will source the whole of the market to find you the most suitable outcome. Your credit can be considered as OK if you have over stretched yourself with credit commitments, missed 1 credit card payment or even took a payday loan in a time of need.

read more › A secured loan may be suitable when clients have an existing mortgage on a low rate but want to raise additional finance. It may also be suitable when the client has a low credit score and cannot get approval through first charge mortgage lending. Secured loans can help consolidate debt into one lower monthly payment and provide finance for any legal purpose, faster than a conventional mortgage. Secured loans can also be known as homeowner loans, and they offer a way to borrow larger amounts for less by using your home as equity.

read more › Unsecured business loans don't require security and tend to have higher interest rates, whilst secured business loans are typically larger size loans more suited to an expanding business going through a period of growth. Your decision could be influenced by the legal status of your company - are you looking for a partnership company loan, are you a sole trader, or a limited company? We will endeavour to place you with a flexible lender that will look at the bigger picture when assessing your application so be ready to share the required information.

read more › Bridging loans can be used for any purpose and quick funding is available within 24 hours, with loan terms from 1 month to 3 years available. Generally speaking, bridging loans are aimed at landlords, property developers and businesses. Another very common use for a bridging loan is to purchase at auction where a mortgage is needed quickly. Bridging loans can be used for a variety of reasons, including property investment, buy-to-let and development, debt consolidation, home improvements, capital raising, paying tax bills etc.

read more › We also pay a market leading commission of up to 60% on all cases. We have built our business on the back of introducers and would love the opportunity to build a strong working relationship with all intermediaries throughout the UK. The Loans Department are specialist mortgage and loan packagers that DON'T charge an upfront packaging fee, and if required we can provide advice to clients. We can simply take your customer referral or can work alongside you at every step of the process to achieve the best outcome for you, our introducer.

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