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