About us
Spring Finance was established in 2011 as a second charge mortgage lender, lending to customers who may not always meet the criteria of high street banks and building societies. It is authorised and regulated by the Financial Conduct Authority for regulated mortgage lending and administration and registered with them for Consumer Buy to Let lending. In 2022, Spring entered the bridging and development finance market lending on a first and second charge basis with a mixture of regulated and unregulated loans.
Inventive and creative thinking
Spring Finance is staffed by experienced, dedicated multi-disciplined professionals. Spring encourages and inspires its staff to rely on inventive and creative thinking to confront the unexpected in an ever-changing world.
Spring’s focus has always been on treating customers as individuals, and not a credit score. Spring understands that people have different financial backgrounds and believes that just because a customer has bespoke requirements does not mean that they should be excluded from obtaining affordable finance. Spring’s personal and efficient service is central to its relationship-based philosophy and approach to lending.
Products
Secured Loans - Raise money against your residential or investment property
A Spring Finance secured loan, or second charge mortgage as its more commonly known, allows you to raise money against your residential or investment property, leaving your existing first charge mortgage in place. Just like your first charge mortgage, a secured loan will use your property as security and a legal charge will be put on your property behind your first mortgage.
Spring Finance is staffed by experienced, dedicated multi-disciplined professionals who share a special interest in the second charge mortgage sector. We work alongside FCA authorised intermediaries and focus on the needs of the individual’s circumstance rather than a ‘computer says no’ approach to underwriting. This means that we are able to assist your financial needs where perhaps a high street lender can’t.
If you are looking for a second charge mortgage, we recommend you contact a specialist mortgage broker or finance intermediary who will be able to look at the whole market to ensure you obtain the best deal possible.
Bridging Finance - Bridging Loans offered from £50,000 to £2,000,000
Spring Finance is a specialist bridging lender offering a comprehensive range of FCA regulated, unregulated, first and second charge, complex credit, heavy refurbishment (with drawdowns) and light development loans.
Spring Finance launched into the specialist bridging market in 2022 with the aim to build a trusted and respected lender that makes quick, robust decisions and provides a flexible, supportive and efficient service for its customers.
Our specialist bridging team at Spring Finance is led by an expert team of industry professionals with decades of combined experience.
