Who are we?
Integrity Loans is a trading style of Charwin Private Clients. We are a mortgage & secured loan broker. You can visit our main site at www.charwinprivateclients.co.uk
We are proud of our reputation and have recently started using TrustPilot to allow customers to provide feedback on their experiences. To date, our customers have rated us as excellent.
We always provide direct adviser access and a dedicated case manager at all times. As a responsible team they will handle everything smoothly and efficiently on your behalf.
One of the largest panels of Secured Loan lenders in the UK coupled with unlimited access to the mortgage market, we are in the ideal position advise you on the best way to get the money you are looking for.
We aim not to provide a fair and competitively priced service. In doing so, we are looking not only to help you now, but also to plan moving forwards and continually improve the terms of your borrowing.
who we help
We help a wide variety of people raise money that is secured on their property.
Your home is at risk if you do not keep up repayments on a mortgage or any debt secured on it
Typically, we would use a secured loan which is unique or unusual situations whereby a mortgage is not going to provide access to the funding required.
This can be:
High loan to value: up to 100%
Large Early Repayment Charge: where the cost to remortgage is not viable
Retaining Interest Only Mortgages: where the borrower wishes to preserve existing mortgage terms that would be unobtainable in the current market.
Mortgage Interest Rate: some people are fortunate enough to have extremely low mortgage interest rates that they wish to maintain.
Debt Consolidation: many of us wish to refinance existing debt in order to make reductions in monthly outgoings. Loans are available up to 100% LTV for this purpose.
Bad Credit: we help many people who are over-committed and starting to miss payments and those who have had Defaults, County Court Judgments, IVA, Debt Management Plans or bankruptcy in the past.
Home Improvements: house extensions and remodeling
Business Purposes: we help customers raise money for business, not readily available in the residential mortgage market.
Think carefully before securing other debts against your property. The total to repay these debts may be considerably more. Your home may be repossessed if you do not keep up repayments on your loan.
Representative example: Annual interest rate of 6.9%, Representative 7.5% APRC Variable.
Based on borrowing of 80,000 over 240 repayments of 631.06. Total amount payable 151,824.40. Includes lender fee of 495 and broker fee of 1,500. Other fees may be applicable depending on your circumstances. These may include a valuation fee or mortgage lender consent fee. Full details will be provided on any quotes we provide.