Other Services

It is important for us that we are able to help you through any financial solution, with access to our working partners we believe we are well placed to do this.

Secure Lending

A secured loan, a loan that is secured against your home, offers a great way to raise finance and provides a perfect alternative to a remortgage.

Sometimes a remortgage is not an option when looking at your finances and this gives a great alternative of releasing equity from your residential or buy to let properties.

We work with a huge panel of partners that allow us to find the cheapest lender in the market. There is a number of reasons you can borrow for including

Secured lending:

  • Home improvements
  • New Car
  • Capital raising
  • Consolidating outgoings into one monthly repayment
  • Children's tuition fees
  • A wedding
  • Buying a holiday home
  • Paying a tax bill
  • Business investment
  • Expanding a property portfolio
  • The options are almost endless
This solution would be offered through one of our partners
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Equity Release

What is equity release? Equity release allows you to draw equity from your home in the way of a cash lump sum.

There are two types of equity release; a lifetime mortgage and a home reversion plan. These funds can be used for a number of reasons including maintaining a certain lifestyle in to retirement or helping your children get on the property ladder.

We will only advise equity release in as a last resort once all other avenues have been exhausted as it is a life time commitment.

Lifetime mortgages

With a lifetime mortgage, you borrow a proportion of your home's value. Interest is charged on the amount but nothing usually has to be paid back until you die or sell your home. The interest is compounded or 'rolled up' over the period of the loan.

Home reversion schemes

With a home reversion scheme, you usually sell a share of your property to the provider for less than the market value. You have the right to stay in your home for the rest of your life if you wish. When you die or move into long-term care and the property is sold, the provider gets the same share of whatever your home sells for as repayment.

For example, if you sold 50% of your property to the provider, it would get 50% of the sale price. You can take out some lifetime mortgages from the age of 55, but home reversions are available only to people aged 65 or older.

Things to think about:

  • There are no monthly repayments. Instead, interest is added to the loan and to any interest previously added each year. The loan and interest are repaid in full, usually from the sale of your home, when you die or go into long-term care, subject to our terms and conditions
  • Releasing equity from your home is a lifetime commitment
  • It will reduce the amount of inheritance you can leave
  • Releasing equity can affect your tax position and eligibility for welfare benefits
  • Equity release isn't suitable if you have savings you could use instead, or would prefer to sell all, or part of your home, or downsize
  • You will also need to seek advice from an independent solicitor
Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration. We charge a typical fee of £1,000 for equity release arrangement.
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Business Lending

Due to our expertise at Mesa Financial Consultants we have a heightened knowledge of the SME market.

Through relationships created with lenders we are able to offer our clients a way of financing business ventures through secured and unsecured lending.

The majority of our client base is already self-employed so we understand the need for access to finance when trying to grow a business. Whether it be invoice finance you are after or you are looking to raise funds against certain assets, Mesa Financial Consultants can help.

This solution would be offered through one of our partners and the FCA does not regulate any business lending.
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Request a Confidential Call

Speak to one our fully qualified advisors absolutely free of charge to see if we can help you.

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