Specialist Residential First and Second Charge Mortgages

Specialising in first charge mortgages that may not be suitable for the high street. We offer a wide range of second charge mortgages to help your client unlock equity in their home.

First Charge Benefits

  • Loans from £15,000
  • Unusual and complex income structures can be considered
  • No upper age limit
  • Non-standard properties considered
  • Right to Buy applications can be placed
  • Adverse credit can be considered

Second Charge Benefits

  • Loan can be used for any legal purpose
  • Self employed applicants considered under the same criteria as those who are employed
  • Up to 95% LTV (includes first mortgage balance and ERCs where applicable)
  • In some instances, we can cover the cost of the clients valuation
  • Interest only available
  • Low early redemption fees
  • Adverse credit can be considered

Short-term and Bridging Loans

Getting the best deal sometimes means you have to move fast. We can arrange loans in just a matter of days to help your clients maximise the potential in the marketplace.

Why opt for short term finance

  • Applications can be turned around in under one week in some cases
  • Proof of income not always required where interest is rolled up or deducted from the loan
  • Can be secured against investment and owner occupied property – residential, commercial and land


  • Up to 75% LTV and potentially 100% with additional security
  • Loan terms from 1 day to 23 months
  • No maximum loan
  • Adverse credit can be considered
  • Competitive commissions payable to our introducers

Commercial Mortgages

Whether your client is looking for the most competitive deal or hoping to finance something out of the ordinary, our ability to secure mortgages from a wide variety of lenders can give you the edge.

Why choose commercial mortgages

  • Applications in personal names, 
Limited Companies both UK and 
offshore, LLPs and SIPPs
  • Property types considered include, 
among others, offices, holiday lets, 
surgeries, industrial units, retail units 
and mixed use properties
  • Investment properties let on short leases can be considered
  • Rates can be linked to bank base rate, LIBOR or fixed in some instances


  • Loans available from £25,000 with no maximum loan
  • Interest only available in some instances
  • Available to trading businesses (owner occupied) and commercial investment
  • Can accept businesses with just one year trading history
  • Adverse credit can be considered

Development Finance

Development finance can be difficult to obtain which is why our track record of finding the best terms can help you stand out from the competition.

Why choose development finance

  • Funding at pre planning stage available 
to facilitate the purchase of a site without planning permission and funding against completed developments allows developers to unlock their equity pending sale of the unit(s).
  • Stretch senior products available up 
to 90% Loan to Cost
  • Refurbishments and conversions as well as ground up developments
  • Many funders offer interest on a rolled 
up basis


  • LTV’s typically up to 60% of the Gross Development Value (GDV) but can be achieved at 75% of GDV
  • Locations covering England, Scotland 
and Wales
  • Single dwellings and multi unit 
schemes considered
  • Residential, commercial and mixed 
use schemes considered
  • Funding available to both experienced developers and those newer to property development

Buy-To-Let Mortgages

Whether your client is a first time landlord or an experienced property investor, Vantage Finance use their expertise to quickly source the most suitable product, tailored to individual needs.

Why choose buy-to-let mortgages

  • Flat conversions where flats remain on one title with no separate leases
  • Houses in multiple occupation including student let properties
  • Flats above retail premises can be considered
  • Portfolio finance
  • Limited company applications


  • No minimum income
  • Non-standard construction properties
  • New builds accepted
  • Adverse credit can be considered
  • Generous rental calculations
  • Local authority and housing association tenants can be considered
  • Lenders with no credit scoring available