Specialist Second Charge Loans Packaging

If a remortgage or further advance doesn’t make sense, a second charge loan could be the answer.

Y3S Loans is one of the largest second charge mortgage and secured loans packager’s in the UK and accepts business from a network of thousands of finance intermediaries. Our size means we have excellent director-level relationships with our lender panel built through trust over time. Over 50% of our business is completed ‘outside of criteria’ as we make the most of the unique and flexible referral arrangements that we have.

Second charge loans product guide

  • Second charge loans from £10,000 - £2.5m
  • Second charge rates from 3.75%
  • Up to 95% LTV
  • Residential and Buy-to-let
  • Low ERC’s available

Computer says no?

Y3S can help you find solutions to your client's funding problems where mainstream mortgage lenders cannot, such as:

  • A deposit for a buy-to-let property
  • Consolidating unsecured loans and credit cards to free up monthly income
  • Raising money for business purposes against a residential property
  • Residential and buy-to-let
  • A common sense approach to lending through manual underwriting

As one of the largest second charge mortgage packagers in the UK, we know and understand you and your client’s needs better than anyone else. So when nothing else seems to fit, send it to us.

0800 014 7797