£58,000 secured loan for school fees

£58,000 secured loan for school fees

Derek wanted to send his daughter to a fee-paying school abroad and needed to raise £58,000. He approached First 4 Seconds to arrange the finance for him as he had been declined elsewhere. Being self-employed, Derek found it difficult to prove all of his income. F4S...
Buy to let secured loan purchase

Buy to let secured loan purchase

Steve needed to raise funds for a shortfall on his next buy-to-let purchase. He also wanted to consolidate some debts on his credit cards. The challenge was to raise the level of capital he needed at nearly 80% loan to value on a Buy to Let property. First 4 Seconds...
£60,000 secured loan home conversion

£60,000 secured loan home conversion

Lauren and Luke were looking to raise £60,000 to convert their bungalow into a larger chalet style property. They purchased the property nearly 8 years ago and Lauren has recently given up work to have a baby. Luke’s income is made up of salary and commission. His...
Secured loan for £30,000 Legal expenses

Secured loan for £30,000 Legal expenses

Jeff, a self-employed taxi driver, needed to raise £30,000 on his buy to let property for legal fees for an ongoing legal case. Jeff has been self-employed for a year and was unable to provide 2 years of certified accounts for a traditional re-mortgage. The rental...
Second Charge Mortgage for a Divorce Settlement

Second Charge Mortgage for a Divorce Settlement

Craig contacted us to raise £250,000 for a divorce settlement. Craig’s property was valued at £1.2m with an existing mortgage of £362,000. We managed to secure a £250,000 loan at a rate of 3.69% over a 20-year period. The challenge was that Craig had his bonuses paid...
Second charge mortgage secures son’s deposit

Second charge mortgage secures son’s deposit

We got a call from Peter and Lucy whose 23-year-old son was buying his first home. Keen to help him, they approached First 4 seconds to raise £10,000 to pay the son’s deposit. As Peter and Lucy have a relatively small mortgage on their residential property, the...