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This is a complex and specialised market dominated by the banks and specialist lenders on the one hand, and the non–conforming providers who charge usurious rates of interest on the other. The Select Partnership offers a facility that is simplicity itself. We provide a fast and efficient commercial service through lenders who understand commercial property and clients with doubtful credit histories and unsubstantiated proof of income at highly competitive rates and terms. |
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Designed for those who cannot prove sufficient income such as the self -employed or derive income from sources not generally acceptable to lenders such as benefits, rent or investment income. The Select Partnership has access to an extensive range of product available. |
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Most of our lenders will provide funds for those who would prefer to retain their existing home to let out and purchase a new residential property. Products are available in all the varieties described above. |
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For clients who have been turned down for a remortgage or personal loan, or for whom changing mortgages might incur penalties or higher rates of interest because of adverse credit, we can provide secured loans as an alternative. Normally quick to arrange, secured loans provide a sound alternative to remortgaging and pay high remunerative procuration fees. |
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Bridging loans are usually seen as a temporary way to alleviate cash shortfalls when outlaying large amounts of money and waiting for other sources of finance. Short term bridging loans can provide invaluable help in cases of temporary cash shortfall and can be used for a number of reasons. A bridging loan is usually for a period of 3 and 6 months, however a longer term may be justified under certain circumstances. |
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Debt management can provide a financial solution for clients beleaguered with unsecured debt who may not be able to get a remortgage due to their financial circumstances. Instead of turning a client away, Select can negotiate the debt to secure enough equity and affordability to sustain a mortgage or to simply help manage the debt itself. |
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It is often assumed that mortgage facilities are not available to those with poor credit histories. The market is more than accommodating and will cater for most contingencies ranging from Missed Loan or Credit Card payments and Defaults to Mortgage Arrears, County Court Judgments, Individual Voluntary Arrangements and Discharged Bankruptcy. The Select Partnership can provide solutions across the board at rates and on terms that would not look excessive from a bank or building society. Self-certification is available in all cases. |
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Factoring has become an increasingly important “must have” facility for any invoice-raising business to enhance their cash-flow systems. |
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Pulse is a complete mortgage and secured loan processing & reporting system developed by packagers for packagers. It is not an ‘off-the-shelf’ system designed to accommodate a range of different users. This mortgage management software can offer you a range of facilities, click on the link to find out more. |
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Council tenants, exercising their rights to purchase their council properties are thwarted at times because of an inability to prove income and/ or rent arrears, or adverse credit. |
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The Select Partnership offers the widest range of product and mortgage loans are available based on either a rental yield, income or purely on existing mortgage conduct. |
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