Second Charge

Second Charge Mortgages are a fast and often, more suitable way of raising money than a conventional re-mortgage. Our decision making process isn’t solely based on a credit score. We offer a comprehensive range of products from an extensive panel of lenders covering both prime and non conforming lending solutions to suit your circumstances.

  • Loans from £5,000 to £500,000
  • Rates from 4.49%
  • Loans up to 95% LTV
  • Employed and Self Employed
  • Minimum Time Employed 2 Months
  • Employed, Self Employed, DWP and additional income accepted
  • Minimum Term from 3 Years
  • Adverse Credit and Excellent Credit Ratings Accepted
  • Self Employed 6 Months
  • Fast turnaround times

Call us on 01992 568815

Our team are waiting to assist you with a solution to your case so call us on 01992 568815. Should you prefer email, contact us at sales@platinumoptions.co.uk

Case Studies

Downsizing?

Husband and wife age 72 & 76 looking to downsize. They found a property they wish to purchase but had an offer pulled on the one they are selling. Rather than risking missing out on the house they used a bridging loan to purchase the new property and their exit method was once their home sold.

Current house value £1,000,000 | New House Value £400,000 | LTV 40% | Rate 0.49% | Term 12 Months (Regulated) | No Exit Fee | Completed in 10 working days

Strict timeframe

Women Aged mid 40's in Wales Going through a divorce and had a strict timeframe in which to pay off ex-partner or she would lose the house.

House Value £1,850,000 | Loan Size £1,179,114 | LTV 63% | Rate 0.75% | Term 12 Months (Regulated) | No Exit Fee
www.platinumoptions.co.uk

Unsatisfied ccj's

Man in his 50's with a couple unsatisfied ccj's totalling £13,000 needed to purchase a new house but was unable to get a mortgage. We used his house as security and was able to satisfy his ccj's as well as raise the amount he needed to purchase a new home before selling his current house.

House Value £500,000 | Loan size £350,000 | LTV 70% | Rate 1% | Term 12 Months (Regulated) | No Exit Fee
www.platinumoptions.co.uk

"Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat..."
Minim Veniam, nostrud.com