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HFBS were recently approached by White Rose Finance on behalf of a client. The client had a pending second charge application which had been ongoing for several weeks when the proposed lender declined due to the inability to obtain the information they required from the first mortgagee.

On review it was clear that applying a little common sense not only could a deal be done but a third charge would be more cost effective for the client. The security was the clients own residence recently valued by the previous lenders valuer at £1,850,000. The client had a first mortgage balance of £416,000 and a current second of £100,000. The required loan was £100,000 to be used for an immediate cash injection to the business with the exit being the planned sale of the security. The loan was completed in six working days.

Ian Broadbent of HFBS commented “Whilst third charge lending is not particularly common it was clear on this occasion that it was both in the clients best interest and sound lending. A little flexibility was required in respect of the first mortgagees indebtedness however ‘common sense’ is where we shine. Working together with an excellent introducer this shows how a privately funded lender really can prove the best solution for a client.”

David Fine of White Rose Finance commented:  “This was a case we had struggled with for some time on consent issues but when HFBS took control they made all these problems disappear.

A phenomenally quick turnaround in the current lending environment from a thoroughly nice team as well!”


HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £10,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 15 years with complete authority on their lending. No solicitor involvement, no minimum valuation, and entirely privately funded, no bank mandates, no fixed rules, no default rates. HFBS really mean business.

Simpler, quicker, cheaper.