Who we are
We're ordinary people, helping ordinary people, ever since 1974.
Over the last four decades, we've seen trends and technology come and go. The world is a very different place, and you have to move with the times.
Lending year-in, year-out – in good times, and not-so-good – we've grown into one of the finance industry's best-kept secrets. We started life as one man, giving one loan. But these days, we're a team of over 700, and have a loan book topping £3billion.
What we do
We offer a range of mortgage and secured loan products, to all sorts of people and businesses.
Meaning they can move in, move up, get on, or get started.
Why we do it
If you're looking to borrow some money in this day and age, you might find hurdles in your way.
Because more of us are self-employed, work several jobs, or are turning our hobbies into income to make ends meet. More of us live or invest in traditionally ‘hard-to-mortgage’ properties. And more of us have less-than-perfect credit.
But many of us have the same hopes and aspirations as always. And we know this, because we share them with you.
How we do it
While some lenders struggle to cope with this brave new world, we’ve always used our common sense, and taken a pragmatic look at real lives.
We get to know the person behind the application, because you’re more than a credit score or payslip. You’ve got big dreams, and big plans. And we’re here to help you get there.
We'll think outside the tickbox, and make sure an underwriter – not a computer – makes the final decision, every time.
It's an approach that's more relevant than ever. And when everything changes again, we’ll be ready.
Who we do it for
In the simplest terms, we work with anyone who needs to access borrowing. Whether for them, their business, or their clients.
We work with home buyers, business owners, downsizers, and doer-uppers. We work with property developers, investors, and landlords. And we enjoy established relationships with mortgage brokers, auction houses, and those in the professional sector – including solicitors, accountants, and architects.