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Meet the mortgage maestros

Meet the mortgage maestros, here to make your life easier

Are you trying to place your client’s application, feeling like you're lost in a maze of terms and options? Fear not, intrepid introducer! We've got your back.

In this quickfire Q&A session, we sit down with the unsung heroes of our funding realm – our mortgage and second charge packagers. These wizards behind the scenes work tirelessly to package and present your applications in the best possible light to our wide panel of lenders, making the process smoother than ever – not just for you, but for your clients as well.

Buckle up as we delve into the minds of these mortgage maestros, unravelling their top tips and speedy solutions for 2024.

First up…

The Loan Partnership Mortgage Packaging
Tom Lee Mortgage Packager

Tom Lee

Hello Tom, what is your top tip for introducers who are about to decide where to place their second charge cases?

“It sounds pretty simple, but just pick up the phone and have an easygoing chat with us.  You’ll find every member of the team is super experienced and keen to help – even where timescales are very tight.  We have a vast amount of experience and will always treat your clients with a professional approach and the right advice to ensure we improve their situation as much as possible.  Most importantly we will ensure that the cheapest available loan is arranged with minimal time and fuss and will always keep you updated on progress, tight deadlines and complex requirements don’t faze us.  We will do the heavy lifting so you don’t have to…”
Charleigh Wooddeson The Loan Partnership

Charleigh Wooddeson

Next up - Charleigh, what causes the biggest delays/application hurdles do you experience when packaging? How do you overcome this?

“It can be that we don’t always have every last bit of info as quickly as we would like.  One of the time delays we can occasionally experience is waiting on lender updates. Many lenders have SLAs of around 48 hours at times. When a client is chasing an update, this can feel like a long delay, but having the available info as soon as possible (don’t worry we don’t need huge amounts of paperwork) alleviates any issues because we see a lot of offers first time around since we’re so in tune with our lender requirements.

Of course we do a lot of upfront due diligence to ensure we’re heading to the right lender. We are super experienced in spotting hurdles before they arise and continue to work closely with our lenders to keep up to date with their criteria inside and out, including what they will and won’t need. This means that when any updates come back from our lending partners, there should be no nasty surprises. This all leads to a quicker process for completion for both our clients and introducers.”

Leanne Milner The Loan Partnership

Leanne Milner

OK Leanne, here’s a key one - How fast can you typically complete a mortgage when packaging?

“We have completed secured loans in as little as 3 – 5 days, but the average turnaround is 2 weeks as we sometimes need to get consent from the first charge mortgage company and on rare occasions, we need a valuation. That being said, the whole team will do all we can to keep the timescale to a minimum and deliver a swift service.”
Steve Hancock The Loan Partnership

Steve Hancock

And finally, Steve, what lenders on the TLP panel do you think will be key players in 2024 when it comes to packaging and why?

“Truth be told, all lenders on our panel are key players in the market, offering leading rates and criteria. They are all trying to assist and make things easier for both us and the clients, which is incredibly helpful as the last thing that clients want to do is experience unnecessary delays or complete any unnecessary forms.

Like us, we find that all lenders want the process to be easy and quick, so any improvements which can be given would always be welcome. For us, it is all about working collaboratively on both sides of the process and matching the right lender to the client’s needs whilst working on new criteria and products which will grace the market’s presence in the future!”

Thanks to the team for those pearls of wisdom and for shedding a little light on how TLP can support your clients with comprehensive application packaging, not just for second charge mortgages but with a range of products including first charge buy to let mortgages.

Sound of interest? You can find the latest available rates in our product guide, or even check out our panel of lenders this way.

No matter what service you need, we aim to ensure that surprises are kept at bay, a speedy service is delivered and most importantly that your clients get the loan they need, while making life just a little easier for brokers and introducers.

TLP News

Hello from Joe: The Right Time for a Second Charge

Hello from Joe: The Right Time for a Second Charge

Hello - it’s me again.

I just wanted to catch up with you now that we have finally bid farewell to 2023 and welcomed 2024 with a big HUZZAH!

January is always a mixed bag of emotions – everyone is grateful that we have reached the start of a fresh new year full of opportunities, but we are also staring down the barrel of more dark nights, winter weathers and, of course, the dreaded credit card bill after the Christmas chaos.

That being said, I am (very) pleased to share that the market is finally looking to be stabilising, competitive rates are coming in thick and fast and vast swathes of people are now looking to get their personal finances in order and will be considering their options.

One such avenue that could be a game-changer for your clients in 2024 is a second charge mortgage for debt consolidation.

Now, we know we don’t need to convince you of all the (many) benefits of a second charge (large loan sizes, options for those with poor credit, spreading the repayments over a longer term to improve affordability etc.) but there are a few things that you might not realise, that we think are useful to know.

Joe Defries The Loan Partnership

Favourable Interest rates:

With so many lenders now cutting rates, there has never been a more opportune time for your clients to consider a second charge. With not one, but several sub 7% deals currently available, with schemes starting from 6.59%, there is an abundance of options to suit all needs, budgets and requirements.

If your client has a poor credit history or is currently feeling the impact of their festive commitments, now could be the right time to take control and consolidate multiple debts into one more healthy repayment.

Better yet, we are working with our lender panel on a daily basis to ensure your clients get the very latest offers, so always give us a quick call to find out the most up-to-date deals on the market.

We sadly don’t have a crystal ball (wouldn’t that be nice):

None of us can know what interest rates will do this year, so we strongly recommend to ‘strike while the iron is hot’ and explore whether a second charge could be the answer your client needs.

If it is, we’re here to help make sure they get the right deal, at the right price to ensure they start 2024 on the right foot.

House prices:

Talking of crystal ball predictions, there’s also the matter of house prices. With the current uncertainty on how the housing market will react this year, it may be prudent for your clients to consider a second charge sooner rather than later to maximise their built up equity in their property and the opportunity to access additional funds through a second charge mortgage.

Most importantly, no matter when or why your client may be considering a second charge mortgage, the TLP team can help alleviate the mental, emotional and financial stress associated with managing various debts. We can help them focus on a singular financial commitment in 2024 and work towards a debt-free future.

Now all that is left for me to say is that I, for one, am very excited for all that the next 12 months has in store for us all.

We have big plans for 2024 and we hope you do too.

So bring it on!

Joe Defries Signature

P.s. we need to ask a quick favour…we’ve been nominated for ‘Best Second Charge Broker’ in this year’s Mortgage Strategy Awards and if you could spare 30 seconds to cast your vote, right here, we would really appreciate it.

TLP News

10 reasons to register as a TLP introducer

10 reasons to register as a TLP introducer

It sucks to have built a wonderful relationship with a client only to realise that they are locked into a mortgage with fairly hefty ERCs but need additional finance that you are not sure how to place or help them with.

So, what do you do?

Sure, you could try to source some suitable options yourself. But it may be outside your area of expertise and would mean a whole bunch more work for you – calling the lenders, checking criteria, generating quotes. 

The Loan Partnership second charge introducer

Or, you could let them know that you sadly are not able to help them on this occasion, but this risks them finding another broker and you just lost the relationship that you have worked so hard to create. 

Well, there’s another way.

 By registering as a TLP introducer, we can help you help your clients with a wide range of second charge, bridging and packaging deals.

We do the work. You get paid and get to keep the client.

All you have to do to get started is register as a TLP introducer. 

If that alone doesn’t have you convinced, here’s 10 more reasons to get registered:

  1.  TLP can help with not only your second charge enquiries, we can also advise on bridging finance, development finance and buy to let packaging.
  2. Service, service, service – we’re confident that if you ask any of our clients, they will say the quality of our service is what sets us apart from other brokers. We strive to do all we can not only for your clients, but for you.
  3. You can get a 50/50 split on all of the deals that you refer to us. So we do the work, but you still earn.
  4. You’ll get the support from our 30 strong team of CeMAP qualified professionals.
  5. You’ll be kept up to date throughout the whole process, so you can ensure your clients get what they need, when they need it.
  6. We’re whole of market, so your clients will get access to a huge number of lenders and deals. We even have options that are 6x income and above.
  7. If your client has adverse credit or only one year of self employed accounts, no problem – we have the expertise to help them find suitable finance options.
  8. You’ll get access to the TLP training on how to spot new opportunities and increase your conversions and income further.
  9. Webbynars (yep we spelt that correctly). As a TLP introducer you will be invited to the legendary John Webb Zoom Webbynars that discuss the latest market updates and things you really should know to succeed in the second charge market.
  10. It’s fast and free! Yes – it is totally free to register as a TLP introducer and there is no obligation. It takes just a few minutes to do and being registered will make it easier and quicker when you do have a case that you need placing fast.

Hopefully that has helped you see all the benefits of getting registered and how we may be able to help you retain clients and earn more. Enter your details below to get started, it really is that simple.

Register as a TLP Introducer

If you have any questions at all you can also talk to us at 01923 250090 .

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TLP News

Hello From Joe – What’s Happening

Hello From Joe - What's Happening

There’s so much to tell you, where to begin? 

Well first, hello. Many of you might be thinking ‘I know this chap already’, but just in case – I’m Joe, MD of The Loan Partnership. I happily jumped ship to the business in 2016 following a challenging decade in the sector and didn’t hesitate at the chance when I was proudly asked to take on the leadership role in 2022.  Since that date I would describe the business as both challenging and exciting…in many ways.

That’s quite enough about me though, here’s what we’re seeing in the industry.

Of late, we’ve noticed a sizeable influx in debt consolidation introductions.  To us, it’s bread and butter and we are 100% pleased to help here. Understandably, given the economic uncertainty and cost of living crisis over the last few years, many more people are needing support and advice when it comes to reducing their monthly outgoings.
Joe Defries The Loan Partnership

October and November are traditionally busy months for us, however the market has been near impossible to predict this year.  The Bank of England holding the base rate last week, after also holding it in September following 14 consecutive rises, has helped promote more confidence from borrowers and lenders alike and wash away the volatility we had seen for much of 2023.

A number of our key lending partners reduced their rates at the start of October whilst others refined their products to reflect the changes they have seen in the market of late.

Now is therefore the best time so far this year to investigate the market as residential affordability has hit many quite hard and there are definite occasions where we can deliver more in terms of loan size at competitive rates.  On the other side of the coin, quite often, clients want to preserve their low rate first charge with their existing lender and avoid ERCs. So, a second charge is the perfect fit for many right now.

The Loan Partnership detached house

Since the outset of 2023, pure debt consolidation loans have accounted for 40% of the second charges completed by TLP and 38% of the total gross loan amount lent for our clients and their brokers. Compared to last year where pure debt consolidation accounted for 35% of the second charges completed by TLP and 34% of total gross loan amount lent.

Ok, there are a fair chunk of other reasons why we turn to our lenders.  In response not only have we grown the team to ensure our service levels remain high, we have also streamlined our internal processes to ensure we can deliver results quicker and easier. With closing in on 10 top-notch second charge brokers, who all know their equitable charges from their deeds of postponements, we’re able to support more clients and introducers with any number of reasons and requirements to lend, often where the first charge market has failed or even felt defunct.  We’ve even recently been able to go from enquiry to completion in less than three days.

If your clients are in need of a little support, we’re here, we’re ready. And don’t forget that we split earnings straight down the middle.  So even one case every couple of months can very much help you to help your clients.

We’re finally seeing lenders stabilise their rates – HURRAY!   After months of hikes and uncertainty, we are now seeing rate stability, starting from 7.208% for a second charge and 0.48% for bridging finance. We also have some industry exclusives that we can give you access to, just give us a call to find out the latest deals we have.

At TLP we have access to a wide range of lenders including West One Loans, United Trust Bank and Selina Finance. This year we have also welcomed major players in the specialist market, Octane Capital and Octopus Real Estate to our cohort. Two specialist lenders that we are looking forward to increasing volumes and strengthening our relationships with.

That’s the market, here’s some of the good stuff happening at TLP HQ

Over recent months we have been focusing on streamlining and perfecting our processes internally at TLP.  One such initiative has been to implement a new two tier approach to our process which was quite a culture shift for us.  It has allowed our advisors and customer account managers the time to focus their attention on their specific field of expertise and meant a marked reduction in the time it takes from initial enquiry to completion, in other words everyone is playing the game that they are best at within the business.  Developing, evolving and improving is a big part of what TLP is all about.


We have been working closely with a number of introducers and lenders in the industry exchanging ideas and developing strategies for best practice and looking at ways to increase market share. For me, this is one of the best things that has come out of this challenging year, lenders and brokers working together to provide a bigger and better market for all.

Meet The Team The Loan Partnership

As we are sure you will have noticed, things are looking a little different. After a few months of hard work, we’re so proud to finally unveil TLP’s new look and shiny new website.

Everything in our business is designed to support our borrowers, introducers and brokers, so it was time for ‘out with the old’ boring website and ‘in with this colourful new one’, which I hope delivers more of the information you need to help you help keep your clients happy.

We love it and we hope you do too.

Talking of the team, we’re thrilled to have welcomed several new faces over the last year including advisor Wahid and packager Brooke who joined us just last month.Check out the rest of our hard-hitting team here:  

That’s all the latest from us and I think covers all the important bits. If you have any questions or need any support on a particular case, talk to the TLP team or feel free to give me a shout.

Joe Defries Signature