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Mortgage Club
For Advisers and Mortgage Intermediaries


Fluent Logo

FLUENT FOR ADVISERS are the largest second charge loan broker in the UK, with access to exclusive rates and products that can only be found by dealing with them. Their job is to find the very best loan for your customers’ circumstances and get it paid out in the quickest possible time.

 Why Choose Fluent?

  • Fluent are passionate about ensuring that you receive the very best possible service from all of our dedicated staff.
  • They are the largest loan broker in the UK.
  • They off the widest range of second charge and unsecured lending solutions - We deal with the best lenders in the market.
  • Second Charge Loans are part of Fluent’s DNA.
  • Fluent are fully authorised by the FCA - All of our processes meet the requirements of the regulator.
  • Individual case ownership - You deal with the same person at Fluent from start to finish.
  • Full communication online and by phone - 24/7 access to case progress.
  • No cross selling - Fluent will never pass on any of your customers’ details to third parties and they will always refer your customer back to you for advice should they contact them directly to request additional funds.
  • Fluent have an average customer service satisfaction rating of 4.87 out of 5 from over 3800 reviews.
  • They are market leaders in technology - driven second charge loan solutions i.e. loan sourcing, case tracking and Smart Phone apps.
  • Fluent currently completes around £16 million worth of lending each month with all business being third party introduced.
  • Over 120 fully trained staff.

Fluents’ aim is to make sure that both you and your customers receive the standard of service you should expect from the UK’s leading second charge brokerage with the results to match.

When would you consider a second charge loan?

Perhaps you have a customer that is already on a competitive low mortgage rate? Perhaps your client is on an interest only mortgage or is tied in with heavy redemption penalties?

It may be that they need funds quickly with no upfront fees to pay and are happy to use the equity in their home. It may be that their credit status has changed for the worse or they have simply become self-employed and are finding it difficult to raise finance.

Second charge loans are useful when a client is looking to borrow a large sum of money over a longer term. Remember too that there are limited ERC’s, some with no redemption penalties even on fixed products.

A second charge loan can be used for almost any legal purpose such as home improvements and debt consolidation as well as paying off expensive bridging loans, Tax Bills, deposits and purchase of BTL properties, second homes and school fees, the list is almost endless. There are many more reasons why the traditional route of a re-mortgage, further advance or personal loan is either not available nor the best advice and where often a second charge loan could be the right solution.

At Fluent for Advisers, they source from a panel of lenders selected from the very best in the market and at quotation stage only undertake a soft credit search on behalf of your customer.


Criteria matrix. Second charge

Loan Size £5,000 to £2,500,000. Larger loans on referral

Loan Term 36-420 months

Rates From 3.73%

Flexible Loan Options

Some lenders allow overpayments, giving the client greater control over their loan

Max LTV 95% (higher LTV on smaller loans)

85% LTV buy to let (rates from 4.5%)

Income types include

Disability/ Invalidity

Buy to let income

State and Private Pensions

Carers Allowance

Working Family and Child Tax Credits

Mortgage Arrears Accepted...depending on LTV

CCJ and Defaults Accepted...depending on LTV

Max Age Up to 85 at the expiry of the loan on residential

Up to 110 at the expiry of the loan on BTL

Redemption limited ERC’s, some with no redemption penalties even on fixed products.

Unsecured Loans

Unsecured Loans

  • Fluent have one of the largest unsecured lending panels in the country.
  • Some of the benefits include all soft searches at quotation stage and average two days to completion. Mainly e signatures and mostly managed online (paperwork limited)
  • These loans are accessible for younger applicants with little or sometimes no credit history.
  • Available to homeowners, tenants and those living with parents.   

Criteria Matrix Unsecured Loans

Loan Size £1000 to £25,000

Applicants Single and Joint applications accepted

Loan Terms 12 - 84 months

Rates From 5.3% APR

Age 18 to no max with some lenders

Address Must have three years UK address history. Cannot lend to Channel Islands or Isle of Man (can lend in NI)

Credit History Will not accept clients in DM plans or clients who have active defaults or CCJs in the last 12 months

Income Must have over £8,400 net pa income, this includes benefit income

Overpayments Fluent have lenders who will allow customers to overpay towards loans or settle in full with no early repayments charges, which will allow them to save on interest.

Fluent View & Fluent Sourcing

Fluent Sourcing

The clever way to source and compare a second charge loan. Slick, smart & sensible – Free secured loan sourcing at your fingertips.


A website designed to help brokers manage and keep track of their second charge loan applications. Fluentview is an essential tool for lead providers. It’s simple to use, secure and very user friendly.

The site provides you with the ability to:

  • View each step of the loan process.
  • View and add notes in real-time.
  • View your quotes online.
Partner Support Team

Our partner support team are dedicated to looking after you. We fully understand and appreciate how our service ultimately reflects on your business and your customers. We make you a very simple promise, we won’t let you down!

To run a case by fluent or to register simply contact their broker team on

01204 477 600 or

Or visit  

Fluent's partner support team are ready to take your call for all enquiries on 01204 477 600

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.