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- Prime / Low, Medium & Heavy Adverse / Self-cert applications
- Established and well respected secured loan brokerage with over 20 years experience in this specialist market
- Enhanced Commissions up to 10% paid
- More flexible criteria
- Arrears considered on most plans
- Immediate 'in principle' decision given
- First Mortgage can be left in place
- All valuations and references paid for Terms of
5 to 25 years
- More generous income - Affordability calculation
- Completes in 2 weeks. Can be as little as 3 days
- Advances for any purpose from £7,500 to £150,000
- If applicable, broker & legal costs can be added to the loan
Pavillion Secured Loans are an established and well respected secured loan brokerage, with over 20 years experience in this specialist market. Operating solely in this niche sector, we have agencies with an expansive cross-section of lenders offering a comprehensive range of secured loans. This allows us to offer your clients the best rates available in today's market, matched to their individual requirements and circumstances.
Pavillion Secured Loans work in a very straightforward and transparent way ensuring that all applicants are fully informed and can proceed with confidence. A Dedicated department of experienced staff operate a case ownership policy which ensures that one person packages a case from application to completion. This together with the latest loan processing software enables applications to complete with the minimum of delay.
Pavillion Secured Loans has an in depth understanding of the needs and expectations of our array of Introducers. Let us show you the Pavillion Secured Loans personal touch.
Niche Products
Full Status Clients
- PAYE - Full Status - up to 100% LTV
- PAYE able to self certify additional income up to 30K - up to 70% LTV
- PAYE can use employer's reference if wage slips not available - up to 80% LTV
Self Declaration/Certifying Clients
- Self certify up to £30K per person, £60K per couple with NO proof needed - up to 70% LTV
- Self certify over £60K per person, with headed letter and business card only - up to 75%LTV
Redemption Penalties
- 1 months notice + 1 months interest payment, available on certain products. Prime & sub-prime.
Bankruptcy
- Funds can be raised to clear a bankruptcy - up to 70% LTV
- Out of bankruptcy for 2 years - up to 95% LTV
- With an IVA in place - up to 70% LTV
- With IVA in place but using funds to clear it - up to 70% LTV
Buy to Let Properties
- Using income from AST ONLY - up to 70% TLV
Adverse Credit Profile
- Unlimited adverse allowed, CCJ's, Arrears, Defaults - up to 65% LTV
- Light adverse allowed on most prime plans, No CCJ or Defaults - up to 100% LTV
- Any adverse on unsecured finance can be ignored - up to 80% LTV
Property Types
- All properties are considered for loans, high rise, timber construction, semi comm., etc - up to 70%LTV
- 3 & 5 year council discounts on ex-local authority properties ignored - up to 80%LTV
- Shared ownership properties can be used, on the percentage owned by the applicant - up to 60%
- Equitable charge option available when consent not granted - 65% LTV (inc. ERP on mortgage)
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