Case Study
Richard Barham, supported by Amy Schofield, recently completed a £30,000 second charge loan to support debt consolidation and a programme of home improvements, including the installation of a new kitchen, a new bathroom, and redecoration throughout the property. The facility was secured at 83% LTV with a rate of 6.85%.
The case was written on 13th May and successfully completed on 2nd June. With the client’s existing mortgage lender unable to offer a further advance, a second charge mortgage provided an effective solution, enabling them to access the funds required while retaining their current mortgage arrangements.
Through an efficient and straightforward process, the loan completed successfully, providing the client with the capital needed to consolidate existing debts and carry out planned improvements to enhance their home.
Client review:
“I recently completed a second charge mortgage and wanted to share how pleased I was with the outstanding service Richard Barham and Amy Schofield provided from start to finish.
Right from the beginning, both Richard and Amy were professional, knowledgeable, and quick to respond. They took the time to walk me through each stage of the application, making sure I understood what was needed and keeping me updated on progress throughout. Their communication was prompt and open, which gave me real confidence and peace of mind during the whole transaction.
What stood out most was just how quickly and smoothly everything was handled. The process unfolded exactly as they’d described at the start, and the mortgage completed well within the timeframe we’d discussed. There were no unnecessary hold-ups, and every query or request was dealt with swiftly and professionally.
Richard and Amy worked together seamlessly, turning what could have been a complicated process into something genuinely straightforward and stress-free. Their attention to detail, dedication to good service, and proactive approach kept the application moving forward without a hitch.
I wouldn’t hesitate to recommend Richard and Amy to anyone considering a second charge mortgage. Their expertise, efficiency, and commitment to delivering a first-class experience made the whole thing a real pleasure.”
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