Category: TLP Case Studies

Here’s how we have supported introducers and help their clients to get second charge mortgages and bridging finance.

Delivering Quick, Reliable Second Charge Solutions for Advisers

Post author By Olivia Stratton
Post date December 19, 2025

Delivering Quick, Reliable Second Charge Solutions for Advisers

November 2025

The Challenge – In November, our clients needed a fast and affordable way to consolidate their debts and fund home improvements. Their first-charge lender couldn’t accommodate additional borrowing, and their part-time income with two dependants meant affordability had to be carefully assessed. The introducer required a rapid turnaround with minimal disruption – just 14 days from enquiry to completion.

Our Approach –

TLP adviser Nicola Hughff evaluated the clients’ full circumstances and sourced a £30,000 second charge mortgage on a 29-year term via Admiral Mortgages. A 5-year fixed, capital repayment product was selected to deliver stability.

Using years of expertise and criteria know-how, Nicola and the packaging team took care of the full process, ensuring all lender requirements, checks, and documents were completed efficiently. Communication was clear and proactive, keeping both the introducer and clients updated at every step.

The Outcome – The clients now have a secured monthly repayment of £221, reducing their outgoings by £700 and giving them much-needed financial breathing room. The case was completed successfully in 14 days, providing both speed and certainty. Whilst earning the introducer a total of £1,727.

Why Advisers Work with TLP

This case highlights how TLP can support introducers with challenging client scenarios where mainstream lenders cannot. By delivering fast, tailored second charge solutions, we help advisers maintain client confidence, achieve strong outcomes, and ensure a smooth, stress-free experience for all parties.

Got a similar case? Chat to the team today to discover how we can help your clients

The team is here to help you complete deals faster and with less friction, using our extensive lender access and second charge expertise.

TLP Case Studies

Secured Loan Consolidation Unlocks £1,217 Monthly Reduction

Post author By Olivia Stratton
Post date August 27, 2025
No Comments on Secured Loan Consolidation Unlocks £1,217 Monthly Reduction

Secured Loan Consolidation Unlocks £1,217 Monthly Reduction

August 2025

The Situation – An introducer referred a client who had originally taken out a secured loan for home improvements. Unfortunately, overspend on the project meant they had accumulated a further £50,000 of unsecured debt, leading to high monthly outgoings and significant cashflow pressure.

The client needed to consolidate their existing second charge mortgage and clear unsecured balances, while also ensuring affordability and alignment with their future remortgage in 2027.

Our Solution – We structured a £120,000 secured loan with Admiral Mortgages on a 5-year fixed rate of 7.39%. The product offered competitive pricing with ERCs only in the first two years, providing flexibility for a potential refinance.

To ensure speed, we utilised a desktop valuation and worked closely with Santander to secure consent for the second charge with minimal delay. Importantly, the term and structure were designed to align with the client’s main mortgage, ensuring a smooth pathway to exit at their next remortgage window.

The Result –The client’s monthly repayments dropped by £1,217, and their second charge rate was reduced by 5%. The case was completed swiftly, with an offer issued within 3 working days.

The introducer’s client was delighted, and the introducer gained peace of mind knowing TLP had managed the process from end to end with efficiency and transparency.

Why Introducers Choose TLP

This case highlights the value of partnering with a specialist. We not only secure competitive terms but also build solutions around timing, lender alignment and client objectives. By doing so, we give introducers the confidence to say yes to more complex cases — knowing their clients are in safe hands.

Contact us today to see how we can make it work for you and your cases

Register as a TLP introducer today and chat to Frances or one of our second charge advisors to find out how we can help you earn more from your clients.

TLP Case Studies

From DMP to a Clear Path Forward – £30K with No ERCs

Post author By Dolly Draper
Post date July 23, 2025

From DMP to a Clear Path Forward – £30K with No ERCs

July 2025

The Situation –

This case was referred by one of our introducers and involved a married couple who had entered into a Debt Management Plan (DMP) following a renovation project that spiralled out of budget.

To complete the works, they had taken out several personal loans – borrowing that quickly became unmanageable when one applicant was unable to work during the COVID-19 pandemic. With repayments mounting, the DMP gave them a structured way to manage their obligations.

Now, several years on, both clients are back in full-time employment and ready to take the next step. Their DMP balance stood at £30,000, and with no adverse credit activity since entering the plan, they were focused on rebuilding their credit and moving forward.

Their goal was to consolidate the remaining debt, improve cashflow, and re-access mortgage lending by the end of 2025. Flexibility was key—they planned to wrap the loan into their mortgage within 6 months.

Our Solution – After reviewing income, credit, and affordability, we arranged a second charge loan via Selina Finance for £30,000 with:

✅ 5-year fixed rate of 6.94%.
✅ 22-year term to keep payments low.
✅ No Early Repayment Charges, giving the clients full control over when they clear the loan.
✅ A plan to remortgage in 6 months, using improved affordability and restored credit.

This gave the couple immediate breathing room and the ability to move forward without locking themselves in. They now have a clear, achievable timeline to exit the DMP and roll the loan into their main mortgage.

The Result – The clients gained a structured, flexible solution that fits their financial comeback story. Their introducer knew the case was in safe hands and could reassure the clients confidently.

Why Introducers Choose TLP

We understand how life events can impact borrowing and how the right product can help clients rebuild their financial futures. Whether your case involves past credit issues, complex backgrounds, or tight deadlines, we tailor every solution with speed, care and clarity.

Need a lender that sees the full picture? You’ve found them.

Contact us today to see how we can make it work for you and your cases

Register as a TLP introducer today and chat to Frances or one of our second charge advisors to find out how we can help you earn more from your clients.

TLP Case Studies

From debt chaos to clarity: £120K debt restructured in 5 days

Post author By Dolly Draper
Post date June 23, 2025

From debt chaos to clarity: £120K debt restructured in 5 days

June 2025

The Situation – Referred by one of our introducers, this case involved a client who had used credit cards to fund major home renovations. With several cards now in arrears and a default registered within the past two years, affordability had become a serious concern. They needed to consolidate £110,000 of debt and release a further £10,000 to finish the work on the property.

They weren’t looking for a quick exit but wanted stability in the short term with a long-term product that offered a fixed rate and no early repayment charges, allowing them to remortgage in 12 months if the opportunity arose.

Our Solution – We arranged a second charge loan through Pepper Money, structured around the client’s goals and challenges. The product offered a five-year fixed rate of 7.229%, with no ERCs and a 22-year term, providing long-term affordability without locking them in unnecessarily.

We reduced their monthly outgoings by over £400 and provided the additional funds needed to complete their renovations. The case was packaged, submitted, and completed within five working days, with no delays or surprises

The Result – From introduction to completion, the turnaround was rapid. The client got the financial breathing room they needed, and the introducer knew their client had been looked after with care and efficiency. A strong result on every level.

What made the TLP service exceptional

We specialise in real-world cases, the kind that don’t always tick the vanilla lending boxes. Adverse credit? Complex structures? Non-standard income? No problem. We work quickly, communicate clearly, and tailor our approach to your client’s needs, helping you say “yes” to more of the cases you care about.

Big picture or short-term solution, we’re here to help you get it done fast, clean and compliant.

Curious about what second charge rates could look like for your clients? Let’s explore the options.

Register today to chat to Frances or one of our second charge advisors to find out how we can help you earn more from your clients.

TLP Case Studies

Speedy Bridging Support To Secure £125k in Just 5 Days

Post author By Dolly Draper
Post date May 27, 2025

Speedy Bridging Support To Secure £125k in Just 5 Days

May 2025

The Situation – Our client, a seasoned property landlord in the North West London area, found himself in a time-sensitive scenario. He was in the final stages of purchasing a new property when, late in the process, it became clear there was a shortfall in funding. With the completion date fast approaching, the pressure was on to find a fast and effective solution to avoid the purchase falling through.

Our Solution – Understanding the urgency of the situation, TLP adviser Nimal Shah acted quickly. After a detailed discussion with the client, Nimal assessed the client’s wider property portfolio and identified an opportunity to raise the required funds using one of the existing properties. He swiftly arranged a second charge bridging loan, using the property as security, to cover the £125,000 shortfall.

With Together identified as the most suitable lender, Nimal worked tirelessly to ensure that every necessary document was collected, verified and uploaded to the lender’s system within just 48 hours. By staying in constant contact with the client and managing the application process end-to-end, he kept everything on track for an exceptionally fast turnaround.

The Result – The bridging loan was completed within just five days, ensuring that the client could meet the completion deadline and proceed with the property purchase as planned. While bridging finance isn’t always the right option, in this instance it was invaluable in protecting the client’s deal and with Nimal’s help the client was confident that they had the right strategy in place. The client was over the moon with the speed, service and support received.

What made the TLP service exceptional

This was a deal that needed urgency, clarity, and no room for delay, and that’s exactly what Nimal delivered. His experience, lender relationships, and commitment to client service meant that a high-pressure situation was handled with confidence.

At TLP, we’re used to dealing with deadlines. Whether it’s a bridging loan, second charge, or complex funding requirement, we don’t just get it done we get it done right.

Would you like to know what second charge mortgage rates your clients may be eligible for?

Register today to chat to Devon or one of our second charge advisors to find out how we can help you earn more from your clients.

TLP Case Studies

Second Charge Mortgage Saves Complex Income Client

Post author By Dolly Draper
Post date March 11, 2025

Second Charge Mortgage Saves Complex Income Client

February 2025

The Situation – client in Lancashire was referred to us via a PRIMIS broker after struggling to secure the finance they needed through traditional funding routes.

With nearly £200K needed for a buy-to-let investment and significant home renovations, which included a loft conversion, a new kitchen and bathroom, new windows and doors, electrical rewiring, and central heating, the client hit a roadblock as multiple income sources made traditional affordability assessments a challenge, limiting their options with standard lenders.

The client needed a broker with expertise in structuring complex cases to ensure a successful outcome. Devon Kears, one of our experienced brokers, stepped in to find the right solution.

The Challenges – standard affordability models often fail to accommodate clients with non-traditional income structures. This client was facing difficulties because their earnings came from multiple sources, making it hard to match their case with a traditional lender that would accept their full income profile. Without the right approach, their options would have been extremely limited.

Our Solution – taking a tailored approach, Devon conducted a thorough assessment of the client’s financial position to determine whether a second charge mortgage was the right solution. She then quickly identified Pepper Money as the ideal lender, thanks to their flexible approach to self-employed income and their ability to structure a 30-year loan term – starting with five years on an interest-only basis before transitioning to repayment.

Drawing on her strong relationship with the lender, Devon worked closely with their team to present the client’s full income in a way that ensured thorough consideration by both the lender and underwriting team. This strategic collaboration enabled us to secure a solution that not only met affordability requirements but also provided competitive terms tailored to the client’s long-term financial goals.

The Result – thanks to our lender access and established relationships, we were able to successfully and quickly secure the second charge mortgage, providing the client with access to the funds they needed to support their ongoing investment goals.

What made the TLP service exceptional

This case demonstrates how expertise in lender criteria and structured case presentation can make a significant difference when working with clients who don’t fit the traditional lending profile.

If you have a client struggling to secure the finance they need due to income complexity, get in touch today, we’re here to help.

Would you like to know what second charge mortgage rates your clients may be eligible for?

Register today to chat to Devon or one of our second charge advisors to find out how we can help you earn more from your clients.

TLP Case Studies

Swift Debt Consolidation and Tax Bill Repayment In Just 9 Days

Post author By Dolly Draper
Post date October 22, 2024

Swift Debt Consolidation and Tax Bill Repayment In Just 9 Days

October 2024

The situation – our client, a buy-to-let (BTL) portfolio landlord, found themselves in urgent need of funds to manage outstanding debts and settle a pressing tax liability. With these financial obligations creating significant pressure, the client sought a quick and efficient solution that would allow them to regain control over their finances.

Our solution – recognising the urgency of the situation, TLP advisor Nicola Hughff quickly stepped in to assess the client’s needs.

With her extensive knowledge of the lending market and her ability to navigate complex financial situations, Nicola identified a suitable option that would meet all of the client’s goals. After the initial consultation, she collaborated closely with colleagues Tom and Claire to ensure that all aspects of the application were handled swiftly and effectively.

Drawing on their strong relationships with our lending panel, Nicola and the team worked diligently to secure an £80,000 secured loan from Selina Finance. This loan allowed the client to consolidate their existing debts into a more manageable payment, while also providing the necessary funds to clear their outstanding tax bill.

Throughout the process, the TLP team maintained constant communication with the client, guiding them step-by-step through each stage. Their hands-on approach ensured that any challenges were dealt with promptly, keeping the application on track for a rapid completion.

The result – thanks to the exceptional dedication and expertise of Nicola, Tom, and Claire, the loan was secured and completed in just 9 days. This swift completion allowed the client to immediately clear their tax liability, reducing financial stress and providing significant peace of mind.

While the loan provided some cost savings for the client, the real benefit came from eliminating the looming tax burden and enabling the client to focus on managing their property portfolio more effectively.

What Made the TLP Service Exceptional

The client was extremely pleased with the outcome, noting that Nicola and the team went above and beyond to ensure a fast, smooth process. Their proactive communication, attention to detail, and commitment to delivering the best possible result made all the difference. The client left the process not only relieved but also reassured, knowing that their financial obligations had been met and that they were now in a stronger position to move forward.

At The Loan Partnership, whether your clients are looking to consolidate debt, finance home improvements, or manage their financial obligations, our personalised service and industry expertise ensure that you and your clients achieve your goals efficiently and with confidence.

Do you have a client that needs rapid results as well as competitive rates?

Chat to Nicola or one of our expert advisors today to find out if they could be eligible for a swift second charge mortgage.

TLP Case Studies

Fast Home Improvements Financing With Together

Post author By Dolly Draper
Post date August 13, 2024

Fast Home Improvements Financing With Together

July 2024

The situation – A valued client of one of our introducers required urgent financing to complete essential repairs on an investment property. The property required a new kitchen, bathroom, and a full refurbishment to enhance its rental potential. With time being a critical factor, the client needed a fast and reliable solution to secure their future rental income.

Our solution – Understanding the situation’s urgency, TLP Advisor Devon Kears immediately stepped in, thoroughly assessing the client’s needs with an initial call. Using her extensive lender contacts, Devon identified Together as an ideal lending partner for this particular deal and working in partnership with the Together team, we were able to offer the £62,000 second charge mortgage needed, enabling the client to carry out the crucial improvements on time.

Throughout the process, Devon and the team maintained constant communication with both the introducer and the client. Her proactive approach ensured a smooth and efficient experience for all involved, overcoming any potential hurdles and keeping everything on track for a swift completion.

The result –Thanks to the speedy and coordinated efforts of our team, the loan was secured within just 20 days. This quick turnaround allowed the client to proceed with the necessary property upgrades, ensuring that their rental income remained stable and their investment property achieved its full potential.

Why partner with TLP

This case highlights exactly why brokers and businesses in our field choose to make referrals with TLP. Our team, led by experienced advisors like Devon, is dedicated to understanding the unique needs of your clients and delivering tailored solutions with speed and efficiency. We maintain close communication with both you and your clients throughout the process, ensuring a seamless experience from start to finish.

When you refer your clients to TLP, you can trust that they will receive exceptional service, quick solutions, and a commitment to achieving the best possible outcomes. Whether it’s for urgent property improvements, debt consolidation or other financial needs, we are here to support your business and help your clients succeed.

Do you have a client with complex needs and are not sure where to place it?

Chat to Devon or one of our second charge advisors today to find out if they could be eligible for a swift second charge mortgage.

TLP Case Studies

Capital Raising Bridging Loan

Post author By Dolly Draper
Post date July 18, 2024

Capital Raising Bridging Loan

June 2024

The situation – Initially looking for potential mortgage options, the clients had inherited a property that had some outstanding finance owed on it that needed to be repaid quickly, but as they were planning to ultimately sell the property, no solution was immediately found.

Not wanting to let the client down, the long standing TLP introducer referred the case over to our bridging finance team, to discover if a bridging loan would be a potential option for the clients.

Additionally, the clients were interested in raising additional funds with the loan, in order to refurbish the property into a more marketable condition to further enhance the sale. This meant that they were in need of a £150k loan.

Bridging team leader Russ stepped in to offer his advice and help the clients end their search.

Our solution – After a quick chat with the clients to fully understand their current situation and overall goals, Russ reached out to his extensive contacts to identify a lender that would accept this particular scenario.

Russ quickly identified United Trust Bank as an ideal lending partner and was able to broker a competitive deal that would allow the clients to achieve all of the required terms.

He was then able to process the application and kept the clients up to date at all points of the process. Also despite complications ownership queries, Russ made the process as smooth as possible and the application was completed in less than five weeks.

The feedback – Obviously the clients were extremely happy with Russ’s service as this allowed them to move forward, repay the outstanding debts and commence the refurbishment work to help sell the property in the near future.

Have your clients been rejected by traditional finance methods?

Chat to Russ or Nimal today to find out if they could be eligible for a comprehensive bridging loan.

TLP Case Studies

£183k Land Purchase For Business

Post author By Dolly Draper
Post date June 2, 2024

£183k Land Purchase For Business

May 2024

The situation – Looking to purchase a portion of land to expand their growing business, the clients were looking for additional funds to support a potential ground-up venture.

There were several complexities with this particular case as the clients’ current mortgage rate was a tasty 1.59%, which clearly they didn’t want to lose, yet they were unable to consider a Further Advance as many mortgage providers would not accept their loan purpose: business use.

Despite their current advisers hands being somewhat tied here, wishing to support the clients’ goals, they referred the clients to TLP to ascertain if a second charge mortgage might be the right solution for the business. Our experienced advisor team was up for the challenge and quickly set out to find a suitable solution here.

Our solution – We started out with a quick chat with the clients. This allowed us to ask a few questions and fully understand the situation as well as discuss the ongoing plans for the business.

From this, it was clear that not only securing the required funding would be important but the clients would need a clear exit strategy to ensure that the project maximised the clients’ investment long term.

It was clear that a £183k second charge mortgage would provide the finance needed and would give the client the terms they required. With a LTV of 78%, we contacted suitable lending partners that we knew would consider this case, and through our clear communication and the documentation provided to highlight all of the merits of the application, we were able to secure a very competitive deal on a 30 year term with Selina Finance.

Keeping the client’s overall goals in mind, we ensured that the clients have two routes of clearing the loan – via a remortgage in 2025 when the fixed rate ends or refinancing the new property once built.

The clients were successfully able to purchase the land that they need and are now proceeding with the development. The mortgage introducer was also thrilled with the service and support that the team were able to provide.

The result – Ultimately the clients were very happy at not having to pass on an important opportunity to realise a healthy margin on the build. The introducer was also happy to have not missed out on the opportunity to earn with this particular case by referring it to TLP. As with all referrals, the introducer received a 50/50 split of the commission.

Do you clients need expert advice to secure the finance they need?

Get in touch today to discuss all the ways we can help your cases complete with minimal delays and hassle.

Delivering Quick, Reliable Second Charge Solutions for Advisers

Got a similar case? Chat to the team today to discover how we can help your clients

Secured Loan Consolidation Unlocks £1,217 Monthly Reduction

Contact us today to see how we can make it work for you and your cases

From DMP to a Clear Path Forward – £30K with No ERCs

Contact us today to see how we can make it work for you and your cases

From debt chaos to clarity: £120K debt restructured in 5 days

Curious about what second charge rates could look like for your clients? Let’s explore the options.

Speedy Bridging Support To Secure £125k in Just 5 Days

Would you like to know what second charge mortgage rates your clients may be eligible for?

Second Charge Mortgage Saves Complex Income Client

Would you like to know what second charge mortgage rates your clients may be eligible for?

Swift Debt Consolidation and Tax Bill Repayment In Just 9 Days

Do you have a client that needs rapid results as well as competitive rates?

Fast Home Improvements Financing With Together

Do you have a client with complex needs and are not sure where to place it?

Capital Raising Bridging Loan

Have your clients been rejected by traditional finance methods?

£183k Land Purchase For Business

Do you clients need expert advice to secure the finance they need?

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