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Mortgage Club
For Advisers and Mortgage Intermediaries

CSC Loans

CSC Loans are an award winning Master broker whose management team share over 50 years@ experience in second charges:

  • 2016 – Shawbrook Bank – Best Converter of Business
  • 2016    Mortgage Strategy – Best secured Loan Broker
  • 2016    Loantalk – Best Medium Sized Broker
  • 2015    Mortgage Strategy – Best Secured Loan Broker
  • 2015    Shawbrook Bank – Best Converter of Business
  • 2015    Loantalk – Service Excellence

CONTACT DETAILS 

Please call 0800 0094190 or email landg@cscloans.co.uk 

Link to register: 

https://www.cscloans.co.uk/register-now

Why Choose Us?
 The Second Charge Mortgage The Remortgage 
  CLIENTS WITH LOW RATE, FIXED AND TRACKER MORTGAGES CLIENTS
Client can keep current attractive rate and raise funds   Unlikely to be able to remortgage to lower or equivalent rate than current first mortgage
  CLIENTS WITH ERC'S ON FIRST MORTGAGE
 Client can keep existing mortgage to avoid ERCs and raise funds  Client may incur early repayment charges with a remortgage
  CLIENTS WITH AN INTEREST-ONLY MORTGAGE
 Client can raise funds while keeping their interest-only mortgage in place  Few high street lenders usually consider offering an interest-only remortgage
  LOAN PURPOSES
 Flexibility with loan purposes - paying a tax bill, business expansion, lease extension, home improvements for example  Generally a less flexible lending criteria is in place for remortgages
  CLIENT IS SELF EMPLOYED/HAS PROJECTED INCOME
 Some lenders will work to projected income for the current year  Lenders will normally work to proven figures only
  CLIENT HAS BEEN SELF-EMPLOYED FOR 6 MONTHS OR LESS
 Available for clients with 6 months of self-employment history  2 years of accounts typically required to be considered
  AFFORDABILITY
 Considered up to 6x income  Normally restricted to 4.5x income
  CLIENT WITH ADVERSE CREDIT
Majority of lenders ignore adverse credit more than 12 months old. Some lenders do not credit score applications   Tend to look back beyond 12 months and any adverse credit is taken into account
  ADDING A PARTNER FOR INCOME PURPOSES
 If a partner has moved into the security property since purchase, they too can be party to the loan. Adding them to the application means we can include their income when assessing affordability. The property and first mortgage would remain in the name of the person that originally bought the property The deal would need to be rewritten with both partners 

 

Why CSC Loans?
  • Flexibility: Offering two processes depending on your Scope of Service

      PACKAGED – You advise, CSC will package.

      You receive 100% of lender proc. fee plus 100% of any advice fee                 

       ADVISED – CSC advise, CSC package.

       You receive 50% of packager fee and 50% of proc. fee less £250

  • High conversion rate 1/1/17 – 30/4/17 – 73% of cases issued went to completion
  • Free second charge sourcing available
  • Comprehensive panel – catering for all scenarios residential, BTL, prime, near prime
  • Excellent lender relationships – referrals sent to decision makers
  • Trained and knowledgeable – All new business and processing staff are CeMAP qualified
  • CSC to pay processing costs:

Customers are given the choice to pay the fees upfront or have them added to the loan. Where your customer has elected to add the fees to the loan, CSC Loans will pay for all the processing costs which are then reimbursed by the lender to CSC Loans on completion.

  • Transparent fee structure starting at £995. 

CONTACT DETAILS 

Please call 0800 0094190 or email landg@cscloans.co.uk 

Link to register: 

https://www.cscloans.co.uk/register-now

2nd Charge Products
  • Residential up to 95%
  • BTL up to 85%
  • Residential rates from 3.73%
  • BTL rates from 4.49%
  • Variable, tracker and fixed rate (2, 3, 4 and 5 year) products available
  • Interest only
  • Semi-commercial

Call MSS

If you have a question please call our Mortgage Support Services team on 01226 230 504. Monday to Friday 9am to 5.30pm. We may record and monitor calls. Call charges will vary.