Category: TLP News

The latest news and updates from The Loan Partnership

Summer Giveaway

It’s hot out there. The fans are on, the iced coffees are working overtime, and we think you deserve a little summer pick-me-up ☀️

To say thank you for the cases referred and the continued support you send our way, we’re giving one lucky person the chance to win a £100 Amazon voucher ⛱️

All you have to do is enter your details here 👇 Then you will be in with a chance of winning a £100 Amazon voucher. That’s it!

NAME(Required)

First Last

Phone

Email(Required)

Company Name

Click here to see our Privacy & Cookie Policy.

The competition will close at 5pm 29 July and the winner will be picked at random and announced shortly after.

And while you’re here… if you’ve got a case that needs cooling down, speeding up, or simply a fresh pair of eyes, the TLP team is always happy to take a look.

Call us on 01923 250 090 or get in touch here.

Good luck, stay cool, and enjoy the sunshine. 😎

TLP TLP News

Reducing Monthly Outgoings by £800 with a Smarter Lending Solution

Post author By Olivia Stratton
Post date March 20, 2026
No Comments on Reducing Monthly Outgoings by £800 with a Smarter Lending Solution

Homes along a river

Reducing Monthly Outgoings by £800 with a Smarter Lending Solution

March 2026

Managing multiple debts can quickly become overwhelming, especially when monthly repayments begin to stack up. In this case, our clients were looking for a way to regain control of their finances, reduce their outgoings, and move forward with greater stability.

With the right approach and a carefully structured solution, we were able to help them do exactly that.

The challenge was clear:

The clients had built up several financial commitments that were becoming difficult to manage month to month. Their repayments were high, and the pressure on their finances was growing.

At the same time, their existing mortgage was on a fixed rate, meaning switching or remortgaging would have resulted in early repayment charges and potentially higher costs. They needed a way to improve their situation without disrupting what was already in place.

Our solution

After reviewing their circumstances, Simon and Claire arranged a £73,000 secured loan through Admiral Mortgages, designed to bring all their existing debts together into one single, structured payment.

The loan was set over a 21-year term, keeping monthly payments at a comfortable level. Importantly, the solution was built with the future in mind, allowing the clients to clear the loan when their current mortgage deal ends in 2029, avoiding additional charges.

Throughout the process, our advisers managed everything from start to finish, keeping the clients informed and ensuring the application progressed smoothly. The full process was completed in just 15 days.

Why This Matters

For many homeowners, the idea of changing their mortgage can feel like a big step, especially if they’re on a competitive rate. This type of solution provides an alternative allowing you to access additional funds and improve your financial position without changing your existing mortgage.

It’s about finding the right structure for your situation, rather than a one-size-fits-all approach.

The Outcome

The impact was immediate. The clients’ new monthly repayment came to £570, reducing their overall outgoings by around £800 per month. This not only eased financial pressure but also gave them a clear plan moving forward, with the option to review everything again when their mortgage deal comes to an end.

The clients were extremely pleased with both the outcome and the service, highlighting the speed, communication, and support they received throughout the process.

Why Choose TLP

At The Loan Partnership, we know that no two situations are the same. That’s why we take the time to understand your circumstances properly before recommending a solution.

Our team will guide you through the process from start to finish, handling everything behind the scenes and keeping you updated every step of the way. We work with a wide range of specialist lenders, which means we can often find options that aren’t available on the high street.

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 News

A Little Valentine’s Treat

Post author By Dolly Draper
Post date February 10, 2026

A Little Valentine's Treat

February, 2026
Read time: 2 mins

February is all about appreciation and this month, we’re sending a little love your way 💚

To say a big thank you for the cases and the continued trust you place in the TLP team, we’re giving one lucky person the chance to win a £100 Amazon voucher 💌

All you have to do is enter your details here 👇 Then you will be in with a chance of winning a £100 Amazon voucher. That’s it!

NAME(Required)

First Last

Phone

Email(Required)

Company Name

Click here to see our Privacy & Cookie Policy.

The competition will close at 5pm 20 Feb and the winner will be picked at random and announced shortly after.

And while you’re here… if you’ve got a case in mind that needs a bit of extra care, speed, or specialist thinking, you know where we are. The team is always happy to take a look and help you find the right solution.

Call us on 01923 250 090 or get in touch here.

Good luck and happy Valentine’s from all of us at TLP 💗

TLP News

Helping a Family Regain Financial Control and Fund Home Projects

Post author By Olivia Stratton
Post date December 15, 2025
No Comments on Helping a Family Regain Financial Control and Fund Home Projects

Helping a Family Regain Financial Control and Fund Home Projects

November 2025

The Situation:

Our clients were juggling multiple debts while trying to fund essential home improvements. Their first-charge lender couldn’t offer additional borrowing, leaving them relying on credit cards and personal loans. With two young children and a part-time income, their monthly outgoings were becoming a real strain, and they were looking for a manageable, affordable solution that also allowed them to continue their home renovations.

Our Solution:

TLP adviser Nicola Hughff worked closely with the family to understand their full financial picture, from income patterns to future plans. Prioritising predictability, she sourced a £30,000 second charge mortgage over 29 years with Admiral Mortgages. A 5-year fixed, capital repayment product was selected to give certainty on payments while keeping monthly costs realistic.

The team managed the process end-to-end, coordinating documents, lender checks, and approvals to ensure everything ran smoothly. The application progressed seamlessly, completing in just 14 days from initial enquiry.

The Result: The family now have a secured monthly payment of £221, lowering their monthly outgoings by £700. This not only eased their financial pressure but also provided peace of mind and breathing room for day-to-day living. They can now complete their home improvements without the stress of unmanageable repayments and are well-positioned for a future remortgage.

Why Clients Choose TLP

At The Loan Partnership, it’s not just about lending – it’s about understanding circumstances, finding tailored solutions, and giving families real control over their finances. For this family, this meant consolidating debt today while keeping their future flexible.

Contact us today to see how we might be able to help you take back control of your finances

You can chat with a second charge mortgage expert and find the latest deals and check your eligibility.

TLP News

Spring Has Spring

Post author By Dolly Draper
Post date March 28, 2025

Spring Has Sprung – And We Have a Treat for You!

March, 2025
Read time: 2 mins

Spring is here, and we’re celebrating with an egg-cellent giveaway! 🐣

To celebrate this egg-citing season, we’re offering a TLP Easter prize draw with the chance to win a £100 Amazon voucher 🙌

Hop to it!

All you have to do is enter your details here 👇 Then you will be in with a chance of winning a £100 Amazon voucher. That’s it!

NAME(Required)

First Last

Phone

Email(Required)

Company Name

Click here to see our Privacy & Cookie Policy.

The competition will close at 5pm 15 April and the winner will be picked at random and announced on 16 April – to give you plenty of time to get the Easter eggs in! 🍫

if your clients need a financial fresh start this spring, don’t forget that the TLP team is here to help. Call us on 01923 250 090 or get in touch here.

GOOOD LUCK! 🤞

TLP News

Lender Legends · Q&A with Interbridge’s Tom Whitney

Post author By Dolly Draper
Post date December 13, 2024

Lender Legends · Q&A with Interbridge’s Tom Whitney

December, 2024
Read time: 2 mins

A rising star in the world of second-charge lending, Interbridge Mortgages may be one of the newer names in the market, but its passionate team brings decades of experience to the table, and it is already making big waves in the market.

Launched in early 2024, Interbridge combines innovation with a customer-focused approach, aiming to provide brokers with all the required tools to help their clients secure the financial solutions they need.

Having worked closely with the Interbridge team, we recently had the pleasure of catching up with Tom Whitney, Intermediaries Director, to discuss the lender’s impressive journey so far, their unique offerings, and their vision and big plans for 2025.

Thanks Tom, here we go…

For you, what sets Interbridge apart from other specialist lenders in today’s market?

There’s the well-known phrase, if it isn’t broken, don’t try and fix it, but at Interbridge Mortgages we disagree. What you have with us is a new tech led lender with systems and proposition built with the customer in mind, but we’re no newbies into the industry. We have a wealth of knowledge in our team, from our board all the way through the company at every level, many of whom have worked most of their careers in second charge lending.

So, we combine sector experience with a fresh approach.

What trends are you currently seeing in the second charge lender market, and how is Interbridge Mortgages offering something different?

It’s great to see the second charge market growing and we see no reason for that trajectory to change. We entered this market to help grow it. It’s an exciting place to be and has a lot to offer brokers and customers alike. More and more people are seeing the benefit of a second charge mortgage, and we’re keen that all advisers have second charge offerings as part of their portfolio.

It’s cliche, but people buy from people, and we strongly believe that relationships matter. That’s why we have a field-based team available to visit all our broker partners, and a UK based team on the end of the phone if they need us. Sometimes it’s not about offering something different, it’s about offering what the customer needs, and doing it well.

Your lending flexibility, such as considering all types of income and allowing overpayments without penalty, is impressive. Are there any specific product features brokers often find surprising or particularly valuable?

Without a doubt our ability to take digital signatures throughout the journey is massively advantageous if the customer needs the funds quickly. The speed at which it is possible for us to process a second charge mortgage, considering it is a mortgage, is still met with surprise by those new to the sector. At Interbridge we are doing everything we can to make the customer journey as smooth as possible, which includes using tech to ensure our responsible lending processes are easy to follow and straightforward.

By lending up to 95% LTV we are able to provide a broad range of options for more customers and consider applications on a case-by-case basis to ensure we fully understand the customers’ requirements.

What advice would you give to brokers to help them make the most of Interbridge’s criteria and products?

Talk to us! We’re a friendly bunch, and always happy to chat about the details of a case. We take a common-sense approach to our underwriting policy, so even if you don’t think it will fit with us as a lender, give us a call and we’ll take a look at it. We’ll be able to give you a quick decision so no time wasted, it’ always a fast yes or no from us.

Second charge mortgages are gaining traction as a viable financial solution. What do you see as their primary advantages compared to other forms of finance, like remortgaging or unsecured loans?

We are in the middle of a myth buster series on LinkedIn where we tackle head on some of the myths around second charges and why those myths are just that! But second charges have many advantages, one of the main ones being that the first mortgage doesn’t have to be disturbed, like it is on a re-mortgage. A customer can borrow funds without affecting the interest rate or lending terms they have on the first mortgage. Which is great if the customer has a low interest first mortgage.

Looking ahead, what will be Interbridges main focus for 2025, and how do you see your broker-lender relationship evolving?

We are passionate about growing the market. We feel there are customers out there where a second charge mortgage would suit their needs, but it’s not presented as an option for them. This might be because a broker isn’t aware of the benefits of it or simply doesn’t have the links with the second charge lenders. We want to change this and give all customers access to a second change mortgage if it’s right for them. And that can only be decided after they receive advice from an adviser who knows the benefits of the product.

So 2025 is about broadening the market and education, education, and education. We’re here to help any broker who wants to get into second charge lending, whether that is to deal with lenders directly or find a master broker who can help them to help their clients.

Finally, can you tell us a little bit more about you? If you weren’t in the financial services sector, what other career might you have pursued?

Having been in Financial services for over 20 years it’s difficult to think of a career this doesn’t involve second charges. As a young university fresher, I always told people I’d be a dolphin trainer – whilst the second charge industry might not be quite as exotic, in the last 12 months we’ve worked hard to drive innovation and significantly enhance our customers’ experience, which is pretty exciting to me.

Thank you Tom for that insight into Interbridge’s ongoing strategy, we can’t wait to see you only grow in 2025 (and beyond).

We also need to say a big thank you to the whole Interbridge team, who have been hugely supportive of the TLP team over the last few months, it has been a pleasure working with you to support our clients and introducers. Long may it continue.

To discuss Interbridge’s latest second charge criteria and rates, head over to the TLP Product Guide or give the team a quick call on 01923 250090.

TLP News

We’ve Won! The Loan Partnership Named Best Boutique Broker at the National Mortgage Awards 2024

Post author By Dolly Draper
Post date November 18, 2024

We’ve Won! The Loan Partnership Named Best Boutique Broker at the National Mortgage Awards 2024

November, 2024
Read time: 2 mins

We’re thrilled to share some amazing news – we’ve been named Best Boutique Broker at the National Mortgage Awards 2024! 🎉

What Makes This Award So Special?

This isn’t just another trophy for the shelf (although it’s definitely going to take pride of place!). For us, this award is a celebration of everything we stand for – tailoring loans to fit our clients perfectly and delivering a service that’s personal, stress-free and second to none.

Being a boutique broker means we’re all about the details. We take the time to understand what our clients really need and work hard to find the right solutions. Winning this award shows that our approach is making a difference and we couldn’t be prouder of the TLP team!

Why We’re Celebrating

Given the volatility and upheaval in the market of late, placing second charge deals is not always straightforward and we know there’s no one-size-fits-all answer. That’s why we focus on creating solutions as unique as the people we help. This recognition is a huge milestone for us and reflects the passion and dedication we bring to every single client’s journey.

What’s Next?

This award isn’t the finish line – it’s just a milestone in our much bigger journey. We’re more motivated than ever to keep raising the bar, delivering even better service, and helping more people find the perfect mortgage for their needs.

To everyone who’s supported us, trusted us, and worked with us – thank you. This win is as much yours as it is ours. If you’re new to The Loan Partnership, now’s the perfect time to see what we’re all about and how we can support you as a TLP introducer to earn more and more easily.

Here’s to what’s next – we’re just getting started! 🥂

TLP News

A TLP Treat—No Tricks Involved!

Post author By Dolly Draper
Post date October 11, 2024

A TLP Treat—No Tricks Involved!

October, 2024
Read time: 2 mins

Ooooo we have a treat for you! 👻

If you can’t have a bit of fun at Halloween, when can you!?

So to celebrate this spook-tacular season, we’re offering a TLP treat prize draw with the chance of winning a £100 Amazon voucher.

Dare to win...

All you have to do is enter your details here 👇 Then you will be in with a chance of winning a £100 Amazon voucher. That’s it!

NAME(Required)

First Last

Phone

Email(Required)

Company Name

Click here to see our Privacy & Cookie Policy.

The competition will close at 5pm 30 October and the winner will be picked at random and announced on 31 October – HALLOWEEN 🧛‍♀️

After entering, if your clients are having any nightmares with securing the finance that they need, The Loan Partnership team are here to help. Give us a quick call on 01923 250 090 or get in touch here.

GOOOD LUCK! 🕷

TLP News

Wise Words From Webby

Wise Words From Webby - The Route To Results

September, 2024
Read time: 2 mins

In the world of finance, word of mouth is one of the most powerful tools at our disposal—and it's a tool that works in everyone’s favour.

At TLP, we’ve earned the word of mouth reputation of being the first choice for brokers across the board. Our commitment to exceptional service and results ensures that once brokers experience what we offer, they don't look elsewhere for support.

The TLP Advantage: Higher Conversions, Greater Revenue

When brokers partner with TLP, they see the results – higher conversions, greater revenue, and seamless transactions make staying with us a no-brainer. Why look elsewhere when the solution is right here?

But don’t just take our word for it—experience it firsthand. We invite you to join one of our renowned Webbynars hosted by our very own John Webb (aka Webby).

With his background in education, John has the skills AND the industry insights to empower your sales journey, breaking down the complexities of our products to help you drive further conversions. Whether through a personal Zoom session or an on-site visit, he’s ready to demonstrate the value that TLP can quickly and easily bring to you and your clients.

Your Route to Results

We believe understanding TLP’s products is the first step to unlocking higher conversions, greater income, and unmatched customer satisfaction. A smooth client journey always results in happy clients—and happy clients are the foundation of repeat business.

Looking to take the next step? Start your journey to extra earnings by attending one of our upcoming stands at various network events.

Coming up fast – John Webb will be available for Paradigm brokers at The Hilton, Tower of London, on October 2nd. Don’t miss out on this invaluable session that could elevate your business to the next level.

With over half of PRIMIS brokers already using TLP for second charge business, the proof is in the numbers. The untapped opportunities are there — let us show you how to spot them.

Supporting inside and out

Our team is dedicated to ensuring brokers and introducers have the knowledge and tools they need to succeed.

And on top of Webby’s unparalleled expertise, our in-house business development manager, Nikhil Gola, also continues to educate teams on the intricacies of TLP’s products, offering development consultations designed to maximise your business potential.

Let’s Connect

Why wait? Schedule a free 30-minute Zoom meeting with John or Nikhil today and discover how we can empower your process and your business. Email info@theloanpartnership.co.uk to get booked in.

Whether you’re attending one of our networking events or booking a personal session, we guarantee you won’t regret taking the time to learn from our development legends.

Let’s build your success together – call the TLP team on 01923 250090 for more information on how TLP can drive your business forward.

TLP News

Q&A With Together’s Sally Precious-Ward

Post author By Dolly Draper
Post date August 28, 2024
No Comments on Q&A With Together’s Sally Precious-Ward

Lender Legends · Q&A with Together’s Sally Precious Ward

August, 2024
Read time: 2 mins

A true financial aficionado, Together Money’s Regional Account Manager, Sally Precious Ward, is one of TLP’s go-to contacts when it comes to second charge criteria and common sense bridging lending.

With more than 25 years in the financial services sector, having previously worked as an IFA, mortgage broker and a debt restructure advisor, Sally has seen it all. Joining Together Money in March 2020, she now supports brokerages across the South of England, including the one and only TLP team.

Given the recent Governmental change and Base Rate reduction, we caught up with Sally to get her thoughts on the current lending market and how Together will be evolving their offer in the coming months

“Measure your success in kindness.

Whenever I am described by someone as kind, I feel like I’ve made it. That is better than anything else I am deemed to have achieved. I recently won an award at work and when I read the nomination I was really proud. It talked about how I was always happy to make some time for helping and the resulting outcome for that person. Basically just kindness!”

Thank you so much Sally, let’s get to it…

Given the governmental and economic changes of late, what recent updates have Together introduced to help both clients and brokers?

We are constantly reviewing our criteria and products and seek regular feedback from our supporting brokers. This allows us to understand what they are seeing in the market and how we can help them with more cases.

Flexible affordability calculations are a major reason that clients seek specialist finance lenders so recently we have reduced the stress testing we apply on affordability calculations down from 3% to 1%. This will support more clients whilst still maintaining a sufficient level of protection for customer affordability.

We have also made changes to our regulated bridge product that allows clients a period of 8 weeks from completion to market their property where they want to conduct some home improvements to achieve a better sale price.

These changes are all as a result of feedback around market requirements.

This year Together celebrates 50 years in the industry; what, in your opinion, sets Together apart from other lenders?

Together are the OG of specialist lending. With 1 in 4 clients having a specialist financial need, specialist lending is now the new norm. However, for Together it has always been the norm.

Having a person deal with each application, no computer based decisions and a common sense approach allows us to assess each application on its own merit to get the right customer outcome.

We also have a brilliant product range so if an application doesn’t fall within criteria for one particular product, we are still able to assist on a different product to find a solution for the customer.

What do you see as the benefits to second charge lending compared to other forms of finance?

Second charges are a great option for customers. They can protect their existing mortgage terms but access equity in their property to provide them with additional funds required. Brokers that are able to consider an alternative that is better value than a re-mortgage and achieve a customer’s borrowing ambitions are an asset to their clients.

There are so many reasons why this is a good option, lower interest rates than unsecured loans, flexible use of funds, higher loan amounts, the ability to borrow over a longer period to lower monthly outgoings.

I would love for all brokers in the market to become educated in considering this as an option, even if they don’t write this business themselves. Referring these opportunities to The Loan Partnership would be a great collaboration for them.

What do you find surprises most brokers when it comes to Together’s lending criteria?

Lending to clients who are self-employed but only have 1 years trading history and being able to consider projected income.

The flexibility around affordability with no Loan-to-Income restrictions and the ability to use customer stated expenditure is always well received along with using non-standard properties as security.

Can you share any upcoming changes that brokers should be aware of? Where is Together’s focus for the rest of 2024?

We are always reviewing products and criteria and have recently been working on prioritising a list of initiatives and suggested changes as a result of market feedback.

Together continue to have ambitious growth plans so along with maintaining our position as the best service provider and the most valued specialist lender, this means looking for ways to support customers better is a continuous journey for us.

Enough business, can you tell us a little bit more about you? What would be your mastermind topic?

How to travel the world on a budget with time restraints.

Full time work prevents me from fulfilling my dream of being a nomad. However, I have managed to do some great holidays backpacking with the family including Vietnam, Indonesia and Europe. We often end up off the beaten track and staying with local families for a few nights and there are usually some tales to tell when we come home (including quarantine in a Greek covid hotel and a mugging incident). We continue to dine out on these stories to this day though.

Thank you so much for your time and insights Sally. Given Together’s collaborative and forward-thinking ethos, it is fully understandable why you have become such a major player in the secured and specialist sphere and we’re thrilled to see our partnership ever grow.

To find Together’s latest second charge and bridging offers, head over to the TLP Product Guide or give the team a quick call on 01923 250090.

Summer Giveaway

It’s hot out there. The fans are on, the iced coffees are working overtime, and we think you deserve a little summer pick-me-up ☀️

Reducing Monthly Outgoings by £800 with a Smarter Lending Solution

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

A Little Valentine's Treat

February is all about appreciation and this month, we’re sending a little love your way 💚

Helping a Family Regain Financial Control and Fund Home Projects

Contact us today to see how we might be able to help you take back control of your finances

Spring Has Sprung – And We Have a Treat for You!

Spring is here, and we’re celebrating with an egg-cellent giveaway! 🐣

Hop to it!

Lender Legends · Q&A with Interbridge’s Tom Whitney

Thanks Tom, here we go…

Thank you Tom for that insight into Interbridge’s ongoing strategy, we can’t wait to see you only grow in 2025 (and beyond).

We also need to say a big thank you to the whole Interbridge team, who have been hugely supportive of the TLP team over the last few months, it has been a pleasure working with you to support our clients and introducers. Long may it continue.

We’ve Won! The Loan Partnership Named Best Boutique Broker at the National Mortgage Awards 2024

We’re thrilled to share some amazing news – we’ve been named Best Boutique Broker at the National Mortgage Awards 2024! 🎉

What Makes This Award So Special?

Why We’re Celebrating

What’s Next?

A TLP Treat—No Tricks Involved!

Ooooo we have a treat for you! 👻

Dare to win...

Wise Words From Webby - The Route To Results

The TLP Advantage: Higher Conversions, Greater Revenue

Your Route to Results

Supporting inside and out

Let’s Connect

Lender Legends · Q&A with Together’s Sally Precious Ward

Thank you so much Sally, let’s get to it…

Thank you so much for your time and insights Sally. Given Together’s collaborative and forward-thinking ethos, it is fully understandable why you have become such a major player in the secured and specialist sphere and we’re thrilled to see our partnership ever grow.

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