We’re pleased to share a quick overview of Equifinance, one of our trusted second charge lenders – ideal for clients ranging from prime through to near prime credit profiles.
Why consider Equifinance?
- Sourcing competitively on Twenty7tec & Mortgage Brain with rates starting from 6.59%
- Not credit score reliant – focused on common sense underwriting.
- Up to 95% LTV accepted
- Adverse credit considered, including missed unsecured credit payments, defaults, CCJ’s and mortgage arrears.
- Latest year’s figures accepted for self-employed
- Broad income acceptance, including foster carers, CIS, zero-hours, and rental not on tax returns
- joint borrower, sole proprietor allowed
- Free legals with in-house solicitors
- Foreign nationals accepted (any valid visa)
Great for scenarios like:
- Clients wanting to retain a competitive 1st charge rate
- Where income multiples fail
- When additional income (e.g. bonuses, 2nd jobs, child maintenance) isn’t accepted elsewhere
- Debt consolidation or funding light refurbishments
- Commercial property deposits with a mix of savings, gifted funds, and second charge finance.
Important: Clear explanations are required for adverse credit, retirement lending, benefit dependency, and recent credit activity.
Equifinance are true second charge experts, working via mortgage intermediaries only, and offer common-sense underwriting backed by secure funding lines.
For more information or case support, please reach out to the team the Specialist Placement Team!
Email | packaging@connectmortgages.co.uk
Call us | 01708 676135