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
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