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.
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.
