Secured Lending Options

Secured Lending Options, secured lending brokerage in Glasgow

Secured Lending Options Ltd is a mortgage credit brokerage based in Glasgow (Scotland) that presents itself as a specialist in secured loans with whole-of-market access. The firm is authorised and regulated by the Financial Conduct Authority (FCA) under number 939749 and has data protection number ZA449665. Its activity is aimed at clients who need a mortgage or loan tailored to specific circumstances, including profiles that have been rejected by their own bank.

Financing products

The entity's catalogue covers several types of secured credit, with indicative amounts that the website places between £10,000 and over £25 million depending on the product:

• First charge mortgages: for home purchase or remortgaging, with a search for rates and terms across the whole market. Indicative amounts from £10,000 to over £2 million.
• Second charge loans: allow you to release the equity built up in your home without changing your existing mortgage; they are aimed at home improvements, debt consolidation or large purchases. Same range of £10,000 to over £2 million.
• Buy-to-let mortgages: financing for landlords, from single-property lets to HMOs and limited company structures. Amounts from £26,000 to over £2 million.
• Bridging finance, regulated and unregulated: short-term capital for auction purchases, refurbishments or chain breaks. From £26,000 to over £2 million.
• Commercial mortgages: for business premises, commercial investment and semi-commercial properties, with specialist lenders. Range from £100,000 to over £25 million.

Working method

The process described by the company is structured in three steps. First, the client's needs are collected via a form or a call, with no credit check at that stage. Then, the advisers compare products from their panel of lenders to find rates and terms suited to the case. Finally, they support the client throughout the application and manage every stage until the funds are released. The firm states that it can issue decisions on the same day and that it aims to complete transactions in the shortest possible timeframe.

Positioning and service conditions

The entity stresses that it does not operate as an automated comparison site, but as a specialist advisory service for complex credit, and that it is not tied to any specific lender. According to its presentation, it does not charge fees for the initial consultation, advice or recommendation: it is remunerated solely through the lender when the transaction completes. The website includes a representative example of a £40,000 second charge loan over 15 years, with a loan-to-value ratio of 65% and a rate from 5.29% APRC, with an estimated monthly payment of £322.39, presented as an illustration and not as a firm offer.

Service and complaints

The company serves Glasgow and offers a contact email address. It has an internal complaints handling procedure and, if the client is not satisfied, they can refer the case to the Financial Ombudsman Service. The company is registered in England and Scotland, and its registered office is at Gordon Chambers, 90 Mitchell Street, Glasgow.

Location and contact

6th Floor, Gordon Chambers, 90 Mitchell Street, Glasgow, G1 3NQ · Phone: 0141 4063150 · Email: info@sloptions.co.uk