Comparing mortgages and loans M1
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Whatever the purpose of the money you are looking to raise, it’s a must to consider both secured loans and remortgages side by side so you get the best option for you.
This might sound obvious but it isn’t.
When you apply to a comparison website for a mortgage they normally pass your details to a company which just offers mortgages.
If you apply for a secured loan, they will pass your details to a company which just offers secured loans.
This makes their lives a lot easier because comparing the whole market for both loans and mortgages is difficult
But that does not help you if 50% of the options are being ignored.
Similarly some brokers are good at mortgages but not loans. Not all brokers are the same.
Often they will only consider a secured loan if they can’t help with a remortgage – or vise versa.
Many just deal in straight forward cases and pass the more complex scenarios on to specialist credit brokers like Promise Money.
A few, like us, have the expertise and full range of products in house and offer detailed comparison and advice on both secured loans and mortgages – every time.
That’s why both customers and other brokers come to Promise Money to access our massive product range and expertise.
Key Criteria & Application Guidance
From what you have said so far it sounds like you really need a very good broker.
Think of your broker as your partner. Work together to get the best outcome for you.
Do you have a broker? If so, how good are they at impartially offering whole of market secured loans and remortgages side by side?
Whilst you consider that, here’s some videos to help with your research.
Click Here to watch some videos
The videos on this play list relate to how to use secured loans.
This is because, when your circumstances are a little less standard, it can often make sense to keep your existing mortgage rate and borrow with a separate loan.
However, If a remortgage makes more sense, that’s what our adviser will recommend.
How do I find a broker who covers everything? I have a very good broker who covers everything
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Whole-of-Market Guidance for Comparing Mortgages And Loans
Securing competitive terms on comparing mortgages and loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your comparing mortgages and loans options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Secured Loans Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: Comparing Mortgages And Loans Checklist
Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.
Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.
Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.
Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.
Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.
In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.
Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.
In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.
Above all, borrowing against your home equity typically offers lower monthly repayments than short-term unsecured credit.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.